You Pay Your Caregivers as 1099 Contractors: One Injury Could Undo That Overnight
1099 caregiver misclassification is a real risk in home care. One injury can trigger retroactive workers comp premium and steep penalties.
What Happens to a Home Care Agency When a Caregiver Is in an Accident: Commercial Auto and HNOA Coverage Explained
When a home care aide crashes on the job, whose policy pays? NJ agencies need hired & non-owned auto coverage. See the gap. Get a quote
Home Health Agency Professional Liability – The Coverage Gap Most Owners Don’t Find Until a Claim Hits
Learn how home health agency professional liability coverage works in PA and NJ and why most agencies carry a dangerous gap in their program.
2023 Insurance Workers Comp Update for Home Health
Impact from COVID and the increases in wages that took place in 2021 are still impacting the insurance market today. Today’s Conditions Workers Comp rates have continued to come down for this industry sector at a…
Insurance Coverage Concerns for the Home Care and Staffing Agency
As a growing business, you want to be fully protected for potential claims and lawsuits. Without proper insurance, your business may not withstand a $100,000 out of pocket lawsuit. This may put you in serious financial…
What Happens When You Cancel Your Insurance Policy Midterm?
As your home care agency is growing, you’re also experiencing increasing insurance premium costs, particularly in the area of Workers Compensation, to reflect the growth in your staff and payrolls.