Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Accidents happen. For home healthcare workers, navigating the health needs of patients with disabilities, the elderly, or those requiring specialized care can be unpredictable. Workers' compensation insurance is vital, offering a safety net that covers medical costs, lost wages, and more in case of an injury. It's not just about compliance—it's about ensuring peace of mind for those dedicated to caring for others, safeguarding them as they provide essential services.
Ensuring that both skilled nurses and therapists, as well as aides doing light housework and meal prep, have workers' compensation insurance is crucial in home health care. From managing medical tasks to assisting with daily activities, all face potential workplace hazards.
Kickstand Insurance offers tailored workers' comp solutions to protect your diverse team.
Interested in safeguarding your staff? Start your instant quote today to explore coverage options fitting the unique spectrum of home healthcare services.
Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.
If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.
Since the company had a workers' comp policy, they do not need to pay anything towards the bills.
The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.
The rate is based on the level of risk for that job description.
Premiums are primarily calculated by using your payroll numbers and your NCCI class code.
8835 - Home, Public, And Traveling Healthcare - All Employees
8835 - Companion Care
8835 - Home Health Care / Home Health Aide (0942 in PA)
8835 - Personal Care Provider
In need of workers' comp insurance for home health care workers? Protect your team from the common risks they encounter, like patient-handling injuries and on-the-job accidents.
Our specialized policies provide the protection and peace of mind needed in home health care. Start your instant quote today for a policy that offers peace of mind and coverage tailored to the unique challenges of home health care.
Classify your workers correctly
For example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.
Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.
Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.
Report every incident
- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
Prepare for your audit
Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later!
Certificates are usually issued 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.
To ensure smooth workers' comp insurance coverage, it's important to obtain valid certification for home health aides and certifications and licensing for nurses. Additionally, perform thorough background checks and obtain a history of their claim filings.
Yes, insurance companies strongly encourage pulling the Motor Vehicle Records (MVRs) of aides who will be driving clients, and sometimes they may request to see these records as well.
Yes, but be sure to keep very accurate payroll records for these 1099 contractors.
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