What You NeedThere are many different types of coverage that would be helpful for any California home health care business. Here are three types of California business insurance quotes that are essential for your specific business and a great place to start when shopping for coverage:
- Professional Liability: Also known as Errors & Omissions or Medical Malpractice for the medical industry, this business insurance quote is a must. As the name suggests, this insurance coverage will protect your business from lawsuits claiming malpractice, misconduct, or negligence. This not only covers you but also the claims made against your employees. Since a patient’s condition could suddenly change without warning, even the most careful medical practitioners can find themselves in situations where the patients could file a claim against you and your employees, even if you are not to blame. Thus, it is important to be prepared for such scenarios with medical malpractice coverage. Another reason is due to the terribly inevitable: we are all humans and we all make mistakes. You or an employee can make an honest mistake while treating a client which can result in a lawsuit that could threaten your entire business. Fortunately medical malpractice will cover such mistakes. Lastly, it is especially important for business owners within your industry to have this coverage because of the nature of your business operations. Since you will not be there supervising your employee while he or she is treating your patient, you will be less knowledgeable about how that employee is working. Because of this, misconduct will usually be discovered by your client before it is discovered by you, increasing your chances of a lawsuit or claim by a dissatisfied patient.
- Workers Compensation: This is a California state law for every business. Although this is a common insurance quote to have for any business, it will cover the unique working environments your employees will face. Since your employees will be spending their time in patients’ homes, under which the conditions may not be as safe as you would have them if your employees were working in a facility, workers comp becomes extremely important. The unpredictable nature of where your workers are working and what type of people they are encountering, workers comp will play a large role in insuring your company and your employees’ safety while working for you.
- General Liability: This coverage will protect you against the non-medical risks that your business is still exposed to. The liability insurance quote includes any bodily injury or property damage lawsuit against your business as well as onsite coverage if you have a separate company office.