Home Health Care


An affinity for people who care for people.

Home health care nurses, aides and physical therapists perform miracles. They provide the hands that care for the elderly. They administer medications. They monitor vital signs. They are front line troops in the war on aging, disease and disability.

Like true soldiers, home care nurses, physical therapists and physicians deal in life and death. There are victories and there are defeats.

Should an unhappy patient and their attorneys file suit, you will discover just what your professional liability insurance is worth. Just what will it pay—and exclude?

This is where Affinity Healthcare’s malpractice coverage works wonders. It’s at the point of a claim you’ll discover the value of having a specialty broker who has tailor made your policy for a Home Health Care business.

For example, some liability policies include an “intentional acts exclusion” that disallows coverage for claims alleging sexual abuse. If your patients include minors or the elderly, Sexual Abuse & Molestation is imperative. Whether the claim has merit or not—without this critical protection your insurer will not defend you in court.

With the Home Health Care program you don’t have to worry. Select up to $3 million of Sexual Abuse & Molestationcoverage under our professional liability policy.

An industry ready to explode.

“The home health care services industry, which provides such in-home services as nursing and physical therapy, has the distinction of becoming the nation’s fastest growing employer by 2014,” states the U.S. Department of Labor.

With the first wave of 78.2 million baby boomers getting ready to turn 65 in 2011, it is small wonder that home health care is the fastest growing expense in the Medicare program.

Affinity Healthcare’s Home Health Care policy provides coverage that protects you from your specific exposures…

No unexpected surprises such as your policy not being endorsed for

  • Sexual Abuse & Molestation coverage

No fear of discovering your employees’ coverage has lapsed

  • Protection for the acts of all employees under one policy

No chance of being pulled into a lawsuit involving an employee auto accident

  • Hired & Non-Owned Auto coverage included

No need to worry about attorney’s fees and court costs

  • Legal defense costs paid outside your policy limits

For additional coverage descriptions please view Glossary page.Coverage Highlights

Professional Liability (Malpractice) Insurance
  • Occurrence or Claims-made forms*
  • Up to $5,000,000/$5,000,000 limits available
  • Legal defense costs paid over and above policy limits
  • Sexual abuse and molestation covered up to $3,000,000 limits
  • Employees and volunteers included as named insureds
  • Individuals or entities protected:
    • Owner and/or Entity(ies)
    • Subsidiaries – Insured’s interest 51% or greater
    • Employees and volunteers included as insureds
  • Coverage available for the following professionals:
    • Psychologists
    • Counselors
    • Nurses
    • Social workers
    • Coverage for psychiatrists, nurse practitioners and other medical doctors may be available
General Liability Insurance
  • Occurrence or Claims-made
  • Up to $5,000,000/$5,000,000 limits available
  • No deductible or options as low as $1,000
  • Contractual Liability
  • $100,000 Fire Legal Liability
  • Employee Benefits Liability (Claims-made only)
  • Employers Hired and Non-owned Auto
    • Up to $1,000,000 combined single limit per accident available
Property
  • Electronic Data Processing
  • Miscellaneous articles
  • Accounts receivable
  • Valuable papers
Crime
  • Employee Theft
  • Forgery or alteration
  • Inside premises theft of money and securities
  • Outside the premises theft
  • Inside premises robbery (burglary)

Application Underwriting Guidelines

To complete the underwriting process, you will need to provide the following:

  • Brochure, advertising materials and/or web site
  • Loss history
  • Owner's resume
  • Previous insurer declaration page if requesting claims made coverage
  • Copy of current facility license

Request Rate Quotation

*Professional liability occurrence coverage may not be available for all accounts.