Is an employee covered with workers compensation when she travels to a different state?  It depends! If the duration of travel is temporary (a week or two at most) then coverage almost certainly extends to that employee, as long as they are NOT traveling to Ohio, North Dakota, Washington, or Wyoming (more on these states…

Greetings. Happy 4th of July to all those from the United States. A friendly reminder to please file claims! The mental model to use: Would a prudent person, looking at the same information, think a claim might result from the circumstances? If so, file the claim with your insurance company. If not, at least document…

https://www.homehealthins.com/wp-content/uploads/2023/05/Crime-Policy-Basics.mp4 There are important items to get right when purchasing a crime policy: Does my policy extend to clients homes? (If no, that’s a problem for a home care agency) Does my policy require a conviction in order to pay a claim? (If yes, it is almost worthless) Does my policy cover independent contractors?

Increasingly, home care agencies are turning to Uber and Lyft to transport clients. What are the insurance coverage implications of doing so? Many insurance policies for home care agencies include a coverage line ‘Hired Auto’. Do Uber/Lyft services trigger hired auto coverage? Let’s look at a typical insuring agreement: A. Hired Auto Liability: The insurance…

Please, please file any incidents that you reasonably think might result in a claim with your insurer in a timely manner. Or, if you think it will not result in a claim, document your thoughts to the patient file, to protect your interests in the event it does develop to a claim at a later…