Overview of Home Health Care Operators Coverages*
Coverage specifically for the property important to home health care organizations:
Automated external defibrillators (AED)
Mobile medical equipment, including cell phones, laptops and other highly portable personal computers
Money and securities of your customers while in your care, custody or control
Additional limit for property while on exhibition at a trade show or while in transit in a vehicle
Expenses for counseling (when not guilty) and restoring your reputation after an actual or alleged act of sexual misconduct
Enhance your home health care liability insurance:
Cover damage to personal property of your clients caused by you, regardless of fault
Cover your acts, errors or omissions committed in the administration of employee benefit programs
Expand who is an insured to include your medical directors and administrators
Reimburse you for expenses incurred by your medical director or administrator as the result of a criminal case brought against them
Expands the definition of bodily injury to include mental anguish because of bodily injury
Provides medical expenses as a result of bodily injury and reimbursement for property damage as the result of an assault to an insured when workers’ compensation coverage does not apply
Explore Additional Coverage Options
Building laws safeguard coverage (ordinance or law coverage). Provides coverage for the necessary demolition of the undamaged portion of your building and subsequent upgrades to meet current building codes after a covered loss.
Inflation guard coverage. Provides coverage for inflationary increases in your building and business personal property values. The limit of insurance on your policy automatically increases at the annual percentage rate you choose.
Equipment breakdown coverage. Provides coverage for loss resulting from the sudden and accidental breakdown of machinery and equipment used in your business.
Utility services. Provides coverage when a covered loss to a power, communication or water utility interrupts service to your premises, which then causes a covered loss to your building, business personal property or loss of income.
Crisis Event Coverage. Provides expenses you may incur from a crisis event at your premises that threatens people, property, or your ability to resume regular business operations.
Data Compromise and Identity Recovery Expense Coverage
When added to your property policy this helps you to safeguard your business and comply with privacy laws before, during and after a data or identity breach – potentially costly and time consuming events.
Data compromise expense coverage helps you to respond to a breach of the personally identifying information of customers, clients or your employees. You also receive access to services that help you protect your company’s good name, including:
-ongoing breach preparation tools and services
-help with assessing a breach and responding appropriately
-assistance with required notifications to affected people, credit bureau or government offices-support from a fraud specialist to assist affected individuals in resolving an identity fraud incident
Identity recovery expense coverage helps individual stakeholders, such as individual business owners, majority owners or a chief executive, to respond to a potential or actual identity theft event, including:
-reimbursement for covered expenses
-case management services
-access to a toll-free help line for questions about responding to identity theft or account takeover
Liability insurance covers claims for injury to others and damage to property of others arising out of your business operations, whether the injury or damage occurs on your premises or at your job site. You can be covered for injury or damage caused by the goods you’ve sold, for work you’ve performed, for offenses arising out of the advertising of your goods and services and for false arrest, libel, slander and wrongful eviction of others.
Employment Practices Liability Insurance (EPLI). Protect your business from employment claims such as wrongful termination and age or sex discrimination.
Employee Benefit Liability. Protect your business from liability arising from errors and omissions in administrating your employee benefit plans such as accidentally failing to enroll an employee in one of the employee benefit programs that you offer.
Worldwide Business Liability. Protect your business when you do business in most parts of the world.
Bodily Injury Exceptions. Protect your business from bodily injury to others caused by the substances you use in your business.
Sexual Misconduct Liability. provides your business with legal liability coverage for damages because of injury arising out of sexual misconduct or sexual molestation.
Care, Custody or Control Liability. Protect your business against liability claims for damage to property of others when it is left in your care.
Product Recall Coverage. Cover expenses associated with a product recall.
*The listed product features are offered by carriers that are part of M&P’s team. We know that each situation is unique and that some of the features listed may not be available or only available by endorsement. The intent of listing these features is to offer an overview of common and possible coverages. Even though this is fine print, there is no intention to mislead anyone about possible coverage options or imply that these coverages are available in every circumstance.