Coverage for the people who care for others.

Protects caregivers, nurses and therapists from work-related injuries and illnesses, and it is a vital piece of home care agency payroll protection.

What it looks like: an aide transferring a client from bed to wheelchair feels something go in her lower back. She is out for eleven weeks. Workers comp pays the medical treatment and part of her lost wages, and it is the reason she does not sue you for them. See our workers comp page.

Covers bodily injury or property damage claims arising in client homes, which is the core of in-home care liability.

What it looks like: a caregiver knocks over a lamp and it takes a glass cabinet down with it, or a family member trips over a bag left in a hallway. Small in isolation, expensive when a family decides to pursue it.

Protection against allegations of negligence, errors or omissions in professional services, often called E&O for healthcare.

What it looks like: a medication is given at the wrong dose, a wound is not escalated quickly enough, or a change in condition goes unreported. General liability will not answer any of those, because the claim is about professional judgement rather than a physical accident.

Coverage for vehicles the agency owns and uses for client transport or staff travel.

What it looks like: an agency van carrying a client to a dialysis appointment is rear-ended on the I-49 frontage road.

Protection when employees use their own vehicles for agency business. Critical for any mobile healthcare service.

What it looks like: a caregiver driving between two clients causes an at-fault accident with serious injuries. Her personal limits are exhausted in an afternoon, and the injured party looks at the agency next. Without this coverage the agency answers that on its own balance sheet.

Specific protection against sensitive and devastating allegations, a critical consideration with vulnerable client populations.

What it looks like: an allegation is made against a caregiver. Whether or not it is ultimately substantiated, the defense costs begin immediately, and most general liability forms exclude the entire category.

Covers losses from employee dishonesty, theft of client property, or forgery.

What it looks like: jewellery goes missing from a client’s bedroom, or prescription medication disappears from a cabinet. The family holds the agency responsible for who it sent.

Financial protection for your clients against theft or fraud by your employees. Many referral sources and hospital discharge planners will ask whether you carry one before they will send you work.

Safeguards against wrongful termination, discrimination, harassment and other employment lawsuits.

What it looks like: home care runs high turnover by nature, and every termination is a potential claim. EPLI also answers third-party allegations, such as a client accusing a caregiver of harassment.

Protects against data breaches, HIPAA violations and ransomware, plus the costs of patient data compromise. Vital for any organization handling Protected Health Information.

What it looks like: a scheduling laptop is stolen from a car, or an email account is compromised. Notification, credit monitoring and regulatory defense begin before you know the scale of it.

Protects your office, medical equipment and physical assets against fire, theft and natural disasters. In this part of Louisiana that means taking wind and water seriously, and reading the flood question separately.

An extra layer above your primary policies, raising your catastrophic claim coverage. Hospital systems and managed care contracts frequently require limits above what a primary policy carries.

Protects the personal assets of your leadership from suits arising out of their decisions, which matters as soon as an agency has a board, investors or a second owner.