home health care

Workers' Compensation Insurance for Home Health Care

Policies for Home Health Care Agencies, Home Health Aides and Caregivers

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Why do Home Health Care workers need
Workers' Compensation Insurance?

Comply with state laws

Comply with state laws

Avoid fines

Avoid fines

Protect your employees

Protect your employees

Protection from lawsuits

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 for home health care 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.

  Common Home Health Care injuries

  • Overexertion
  • Slips and falls
  • Motor vehicle accidents
  • Sprains and strains
  • Back injuries
  • Repetitive motion injuries
  • Exposure to infectious diseases
  • Broken bones

Understanding the most common home health care injuries can help you better manage and prevent common injuries. 

Additionally, it's important to consider other types of insurance needed for home health care agencies.

Common types of Home Health Care workers we can insure

Companion Care Insurance

Companion Care

Home Healthcare Providers Insurance

Home Healthcare Providers

Personal Care Provider Insurance

Personal Care Provider

Traveling Healthcare Insurance

Traveling Healthcare

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Don't see your business classification?
We're here to help. Call 866-338-8823.

Protect the caregiver!

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 team.

Interested in safeguarding your staff? Start your instant quote today to explore coverage options fitting the unique spectrum of home healthcare services.

What type of injuries does
Workers' Comp Insurance cover?

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.

What will Home Health Care Workers' Comp Insurance pay for?

  • Medical bills
  • Rehab and therapy expenses
  • Lost wages and disability benefits
  • Funeral cost
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How much does Workers' Comp Insurance
for Home Health Care workers cost?

Workers' compensation insurance for home health care workers, based on an average salary of $14 an hour, costs $42 per month per employee. 

For more detailed information on how much workers' compensation insurance will cost for your agency, visit our guide, Workers’ Comp Rates for Home Health Care Workers

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What's the cost based on?

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.

Common Classifications for Home Health Care

Most states follow these NCCI codes. For more details on class codes, or to see if your state is one of the few that uses different codes, visit our guide, Workers’ Comp Class Codes for Home Health Care Workers

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

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Don't see your business classification?
We're here to help. Call 866-338-8823.

Get Workers’ Compensation for Home Health Care workers today!

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.

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Helpful tips to save money

Choosing Home Health Care insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

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Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

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Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

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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. 

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Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

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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! A Home Health Care Workers’ Compensation Audit Checklist can help.

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! A Home Health Care Workers’ Compensation Audit Checklist can help.

For more detailed strategies, check out these tips on how home health care agency owners can save money on their workers' compensation insurance.

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FAQ's on Workers' Comp for Home Health Care workers

How quickly can I get my certificate of insurance?

We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

What information should I collect on my home health care employees during the hiring process?

To ensure smooth workers' comp insurance coverage, it's important to get valid certification for home health aides and certifications and licensing for nurses. Also, you should perform thorough background checks and obtain a history of their claim filings.

If my employees will be driving clients to doctor's appointments, do I need to pull their Motor Vehicle Records (MVRs) before hiring them?

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.

Can I still get workers' compensation if I hire workers as 1099 contractors?

Yes, but be sure to keep very accurate payroll records for these 1099 contractors.

State laws on Workers' Comp for Home Health Care workers

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.

Choose your state from the dropdown to learn more.

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*Don't see your state? Have no fear!
Kickstand does business nationwide.
Our web team hasn't gotten to the other state pages yet.
Reach out and we'll help you. Call 866-338-8823.
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Need other types of insurance for Home Health Care workers?

Yes, we can help with that too!

Learn more about Home Health Care Insurance

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for Home Health Care insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

  • Avoid surprise bills at audit
  • Make sure all your employees are properly covered
  • Protect yourself from lawsuits

What do we check?

  • Business categorized correctly
  • Employees job roles
  • Special discount opportunities
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Get Workers’ Compensation for Home Health Care businesses today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

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