Patient Protection

Home Health Insurance

Caring for patients at home comes with unique challenges. Wright Risk Consultants offers tailored insurance policies to protect your business, staff, and patients, ensuring you deliver compassionate care without unnecessary risks.

Contact Specialist Amy Wiley
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Patient Safety Coverage

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Liability Protection

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Comprehensive Policies

Care-Focused Coverage

Designed for Home Health

Home health providers face risks like patient injuries, equipment damage, and employee liability. Wright Risk ensures your policies address these challenges, offering robust protection that supports your mission to deliver quality care with confidence.

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Specialized Patient Coverage

Our policies include liability coverage for patient injuries and medical malpractice, ensuring your business is protected from unexpected claims.

Employee Risk Management

Protect your caregivers with workers’ compensation and professional liability insurance, addressing risks they face while delivering care.

Common Questions

Home Health Insurance FAQs

Providing home health services comes with unique risks, but the right insurance ensures you’re prepared. Below are answers to frequently asked questions about protecting your business.

  • What types of coverage does a home health provider need?

    Home health providers typically need general liability, workers’ compensation, and professional liability insurance. These policies cover patient injuries, employee risks, and legal claims related to medical malpractice or negligence. Wright Risk designs tailored policies that address your specific needs, ensuring comprehensive protection for your business and staff.

  • Why is professional liability insurance important in home health?

    General liability insurance protects contractors from claims involving third-party property damage or bodily injury. For example, if a client’s property is damaged during a project, liability insurance covers repair costs and legal fees. Wright Risk ensures your policy provides comprehensive liability protection, safeguarding your business from financial losses and reputational harm.

  • What are common risks for home health providers?

    Risks include patient injuries, employee accidents, and liability claims for errors in care. Damage to medical equipment and compliance issues also pose challenges. Wright Risk addresses these risks with comprehensive policies, ensuring your business is prepared for the unexpected while continuing to deliver excellent care.

  • Does insurance cover medical equipment used in home health?

    Yes, equipment insurance can be added to cover damage or theft of medical tools used during care. Wright Risk ensures your policy protects essential items like oxygen tanks, monitors, and mobility aids, minimizing financial loss and ensuring continuity of care.

  • Are independent contractors covered under home health insurance?

    Coverage for independent contractors depends on your policy. Wright Risk helps you determine the best approach, whether extending coverage to contractors or requiring them to carry their own policies. This ensures compliance and comprehensive protection for your business.

  • What if a caregiver is injured on the job?

    Workers’ compensation insurance covers medical expenses, lost wages, and rehabilitation costs for injured caregivers. Wright Risk ensures your policy meets state regulations and provides essential support for your employees, fostering trust and a safer work environment.

  • How do I start with home health insurance?

    Contact Wright Risk for a consultation. We assess your business’s operations, risks, and coverage needs, then recommend tailored policies to protect your staff, patients, and operations. From policy selection to claims support, we’re with you every step of the way.