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Workers’ Compensation coverage for Homecare & Hospice providers is both costly and sometimes hard to find. Since we have 30+ years’ experience providing insurance products to Homecare & Hospice providers, we have multiple insurance companies / markets that want to compete for your business. Call us today to get started on your quotation!
What is Workers Compensation Insurance?
Workers’ compensation is a form of insurance that provides wage replacement and medical benefits for employees who are injured in the course of employment, in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the tort of negligence.
PART A Workers’ Compensation Insurance
Covers bodily injury to employees in the course of their employment. It covers payment of bodily injury claims in full. It will also pay for time lost from work. If an injury is serious and requires rehabilitation or retraining, it will be provided by this coverage. If the injury is so serious that the employee is disabled, it will pay disability payments.
There is no maximum limit of coverage under Part A.
PART B Employers’ Liability Insurance
This part provides liability protection for the employer if the employee decides to sue the employer for the bodily injury the employee suffered.
The Standard Limits of Liability Coverage for Part B:
Bodily Injury by Accident: $500,000 each accident
Bodily Injury by Disease: $500,000 each employee
Bodily Injury by Disease: $500,000 policy limit
However, most insurance companies (and agents / brokers) include all part B limits at $1,000,00
Questions? Call Us toll-free (877) 460-8080
This information is designed for general informational and descriptive purposes only. The precise wording of each coverage is subject to specific conditions and endorsements of the actual policy issued. Always read your policy very carefully!