As dedicated home health care providers, hospice care agencies, and in-home healthcare services, your primary focus is delivering compassionate and professional care to clients in their most vulnerable moments. This noble mission comes with unique risks and liabilities. At Wagley Agency Insurance Group, we believe that providing the right insurance coverages for home health care agencies is an extension of that care – protecting your valuable employees, your cherished clients, and the continuity of your essential business operations.
When your staff knows their employer has comprehensive home healthcare liability insurance and robust workers’ compensation for caregivers in place, it instills confidence and empowers them to excel. This peace of mind allows your team to focus on what they do best: providing exceptional patient care, vital emotional support, and genuine companionship for the elderly and ill.
Wagley Agency Insurance Group offers specialized insurance solutions for a wide range of organizations within the in-home care industry, whether you’re an independently owned home care agency, a growing franchised home healthcare business, or an agency experiencing rapid expansion. Our expertise extends to:
-
Home Healthcare Agencies / In-Home Healthcare Services
-
Hospice Care Providers
-
Medical Staffing Agencies and Registries
-
Physical Therapy, Speech Therapy, and Occupational Therapy Services (In-Home)
-
Behavioral Health Agencies (including ABA Therapy)
-
Social Services Organizations
-
Applied Behavior Analysis (ABA) Therapy Services
-
Personal Care Services
-
Elder Care Services
-
Non-Medical Home Care
At Wagley Agency Insurance Group, we understand the intricate liabilities and complexities of providing care to the ill and elderly. It is not just important; it is absolutely imperative that your business establishes a comprehensive insurance protection program specifically designed for the healthcare sector.
Partnering with Wagley Agency ensures that not only are your immediate home health insurance needs met with the most relevant coverage options, but also that our agency will regularly consult with you. We proactively monitor your evolving healthcare business landscape, adapting your insurance portfolio to address new challenges and make any necessary changes to ensure your continued protection. Our commitment is built on:
-
Comprehensive Understanding: A deep and nuanced understanding of your specific home healthcare business risks and operational model.
-
Proactive Assessments: Regular and forward-looking assessments of your business’s evolution to anticipate and mitigate new exposures.
-
Cost-Benefit Balance: A strategic commitment to balancing cost-reduction strategies with the provision of uncompromised strategic insurance protection.
-
World-Class Consultative Guidance: Delivering unparalleled insurance advisory services and dedicated support every step of the way.
The insurance solution prepared by Wagley Agency Insurance Group acts as a critical barrier of protection for your healthcare business. Our specialty lines of insurance products include, but are not limited to, the following crucial coverages designed to address the unique exposures of the home health and hospice industry:
-
Workers’ Compensation Insurance for Home Care Staff: Protecting your valuable caregivers, nurses, and therapists from work-related injuries and illnesses, a vital component for any home care agency payroll protection.
-
General Liability Insurance: Covering claims for bodily injury or property damage occurring at client homes, crucial for in-home care liability.
-
Professional Liability Insurance (Medical Malpractice Insurance): Essential protection against allegations of negligence, errors, or omissions in professional services, often called E&O insurance for healthcare. This covers scenarios like medication errors, improper care, or failure to monitor.
-
Business / Owned Auto Insurance: Coverage for vehicles owned and used by your agency.
-
Non-Owned and Hired Auto Insurance: Protection for vehicles your employees use for business purposes but that are not owned by the company, critical for mobile healthcare services.
-
Sexual Abuse and Molestation Liability Coverage: Specific protection against sensitive and devastating allegations, a critical consideration for vulnerable client populations.
-
Crime / Third-Party Theft Insurance: Protecting your business from losses due to employee dishonesty, theft of client property, or forgery.
-
Employee Dishonesty Bond: Providing financial protection for your clients against theft or fraud by your employees.
-
Employment Practices Liability Insurance (EPLI): Safeguarding your business from claims related to wrongful termination, discrimination, harassment, and other employment-related lawsuits.
-
Cyber Liability and Identity Theft Insurance: Essential in today’s digital age, protecting against data breaches, HIPAA violations, ransomware attacks, and the costs associated with patient data compromise. This is particularly vital for any healthcare organization handling Protected Health Information (PHI).
-
Property Coverage: Protecting your office space, medical equipment, and other physical assets from perils like fire, theft, and natural disasters.
-
Umbrella Liability Insurance: Providing an extra layer of liability protection above your primary policies, increasing your overall catastrophic claim coverage.
-
Directors & Officers (D&O) Liability Insurance: Protecting the personal assets of your leadership from lawsuits arising from their decisions and actions.
Don’t leave your home healthcare agency, hospice, or therapy service exposed to preventable risks. Wagley Agency Insurance Group is your dedicated partner for comprehensive healthcare insurance solutions across the United States. We are committed to providing the best insurance for home healthcare businesses at competitive rates, backed by the personalized, hometown service you deserve every step of the way.