Coverage Considerations for Home Health Care Agencies

This document is a guide discussing crucial coverage considerations for home health care agencies, focusing on liability gaps and the importance of additional insureds. It outlines the risks associated with Hired and Non-Owned Auto (HNOA) liability, detailing how home health care agencies can face vicarious liability and lawsuits due to employee actions while driving non-owned vehicles. The guide explains how agencies can mitigate these risks through appropriate insurance policies and risk management strategies. It also addresses the process of reviewing Motor Vehicle Records (MVRs) for new hires and the implications of adding additional insureds to insurance policies. Furthermore, the document highlights the significance of abuse and molestation coverage, advising agencies on what to consider when purchasing this coverage and the necessary risk management practices to reduce claims. The guide emphasizes the importance of thorough background checks and consistent practices to ensure patient safety.