Instead of relying on the individuals employed in your companion care firm to purchase their own liability coverage, it may be best to purchase insurance that covers your whole company. In these instances, the business is named as the insured party, and coverage protects the whole organization. Unfortunately, many of your staff members may fail to purchase their own insurance, leaving you open to liability.
Companion Care Employees
Generally speaking, the employees of companion care, or home care facilities, will include a wide range of professions. This may include:
- Home health aides
- Occupational therapists
- Physical therapists
- Respiratory therapists
- Social workers
As seen on www.manchesterspecialty.com, these employees, in particular, are at risk for allegations of wrongdoing, even if there were none committed. Allegations against a staff member of a companion care facility are serious. If they aren’t insured properly, and your organization isn’t insured properly, this can leave you open for liability in a lawsuit. Even if your staff members have general liability insurance, that won’t cover the organization from allegations of professional misconduct.
Companion care insurance can help protect your organization from multiple angles. With all the work that goes into running your care facility, it’s worth the peace of mind to know that you are covered. Then, you can focus on helping your patients without worrying about liability.