Do Home Healthcare Nurses Need Liability Insurance?

Home care workers compensation insurance

As Americans, we insure almost every major investment we make. Most of us know that we must insure our homes, our cars, and our valuables, but many people forget how important it is that we insure ourselves and the careers we love. Home health care liability insurance, for example, is a must for nurses who work in the private sector. Although nurses who work in home healthcare still report to their employers, they need to take the initiative to protect themselves, rather than relying on employer protection. That’s where home care liability insurance comes in.

What is home health care liability insurance?

Liability insurance will make sure that if your employer’s coverage won’t extend past a certain point for you, you’ll still be covered in the event of an incident. Your individual home health insurance can be used to pay for a defense or attorney or any judgment that’s decided against you. It may also cover licensure defense if someone reports you to the board of nursing. Essentially, it’s extra necessary protection in case something goes wrong or you are accused of wrongdoing.

In what kinds of situations would having home healthcare insurance be helpful?

Home health care liability insurance can be beneficial in any number of situations. If you are sexually harassed or are accused of sexual harassment, your policy can cover your defense. Improper administration of medication that results in an allergic or adverse reaction can result in a lawsuit, in which case you’ll be glad you invested in individual liability insurance in addition to the home healthcare agency insurance provided by your employer. Should you be accused of equipment maintenance failure, abandonment of service, abuse, or any kind of negligence, you’ll need this kind of coverage.

What happens if I don’t have liability insurance?

Many professionals assume that their employer’s coverage will be enough. But even if their coverage is sufficient, it may not provide help for that individual. Many agencies will keep the bigger picture in mind and could even sue a nurse for payment if they’re found guilty of negligence. Ultimately, your employer may not always be looking out for your rights, so you need to be your own proactive advocate.

Although no nurse or home health agency expects an incident or allegation to occur, these events are a reality that those in the industry need to prepare for. By obtaining adequate personal coverage, you’ll be protected no matter what.

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