Home Healthcare Agency Insurance Coverage Options

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Home Healthcare Insurance Services

Caring for individuals in their homes is an essential profession, but it’s not without risks. JVRC Insurance wants to ensure your home healthcare aide business is well-prepared for the unique challenges you may face. We can provide a range of home healthcare insurance options for your small business. With the healthcare industry being one of the fastest growing pieces in today’s economy, it’s extremely important to protect your growing business as well.

Why Do California Home Health Care Providers Need Insurance?

California home health care providers need insurance to protect against the various risks inherent in providing care to your patients. From potential patient injuries to liability claims, insurance safeguards your financial well-being and helps you continue offering vital care while reducing the burden of unexpected expenses.

JVRC Is The Best Home Healthcare Business Insurance Company

JVRC Insurance is a brokerage, which means we are not limited to just one carrier or program. We have access to an array of comprehensive Home Healthcare Insurance solutions that cover the unique exposures that the home healthcare industry faces today while also providing the most affordable options available!

We provide insurance for the following healthcare aides, agencies, and facilities:

Companion Care
Skilled Nursing Care
Visiting Nurse Associations
In home hospice care
Eldercare facilities
Convalescent Homes
And much more

No matter what kind of services you provide, let JVRC Insurance Services provide any of the following home healthcare insurance coverages:

General Liability Insurance
Professional Liability Insurance
Workers Compensation Insurance
Crime Insurance
Physical and Sexual Abuse Coverage
Commercial Auto Insurance
Commercial Property Insurance
Inland Marine
Umbrella and Excess Liability Coverage
And much more

Contact Us For Your Home Healthcare Insurance Services

Are you a new healthcare business looking to protect your new venture? Are you looking to add a new policy to protect your current healthcare business or interested in changing your already placed coverages? Or do you just have some questions?

JVRC Insurance is a leading small home healthcare insurance agency. Contact us today to discuss your insurance needs.

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Frequently Asked Questions about Business Insurance

Are all California businesses required to carry Workers Compensation Insurance?

ALL California employers must provide coverage for their California employees

Why is California Workers Comp Insurance so expensive?

Largely because of claims that occur, experience modifications, fraud and payroll amounts statewide

Where do we get the information we post on our blog site?

The Department of Insurance website, The WCIRB, The Insurance Journal and many other trusted sources

What is an experience modification?

It’s a percentage that compares the payroll and loss history of your company to a similar-sized company within the same industry. For example, if a company has a better than average loss record, their experience modification would be less than 100%. If that is the case you would receive a credit on your Workers Comp rates. If that is not the case however it would result in the opposite, an increase in rates. The experience modification can be closely compared to an individual’s credit score.

Why is Workers Compensation Insurance a necessary requirement?

It is illegal in the state of California to not carry it. There will be penalties, fines and many other consequences if a worker is injured and you do not carry it. Furthermore if there is a claim and you do not have California Workers Compensation Insurance at the time the employer is still liable for all costs relating to the injury which can be devastating to any company.

How does your insurance carrier determine what your experience modification number is?

This is calculated based on your payroll, premium paid and by your reported losses for the last three consecutive years

Who regulates and makes California Workers Compensation laws?

The Department of Insurance regulates the laws and the State Senate makes them

What is a Classification or a class code?

It’s a component used determine the price an employer pays for their workers’ comp insurance premium. Classifications are established for each industry and typically include all jobs or operations within a particular business.