Auto Liability Coverage for Home Health Care Agencies

This guide addresses the auto liability exposures faced by home health care agencies when employees use their personal vehicles for work-related duties. It outlines the importance of securing Non-Owned & Hired Auto insurance to protect against potential lawsuits arising from employee accidents. The document explains vicarious liability, where agencies can be held responsible for employees' actions while driving for business purposes. It emphasizes the need for a formal risk management strategy, including establishing driving protocols and ensuring employees have clean driving records and proper insurance coverage. The guide also details risk management strategies to mitigate negligent entrustment, such as setting driver qualifications, creating driving policies, and maintaining vehicles in safe condition. Additionally, it suggests implementing accident reporting procedures to manage incidents effectively. Overall, the document aims to help home health care agencies protect themselves from auto liability risks associated with employee transportation services.