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Many home health care agencies allow caregivers to transport their clients in the caregiver’s vehicle. In other cases, healthcare professionals, such as a physical therapist or home health aide, use their own vehicles to assist people in the home. There are even the routine work-related tasks that need to get done such as picking up office supplies or going to the bank to deposit checks.
In each case, there is a certain amount of risk for agencies and organizations when employees use their own vehicles. The employee’s personal auto insurance should be the “primary” policy to respond to a loss, but this isn’t always the case. For example, an employee’s personal auto policy may no longer be in force or the coverage may not be adequate in the event of a serious incident. The injured party will then look to the employer of the individual care provider. This is where Non-owned and Hired Auto insurance coverage steps in – to protect employers from lawsuits brought against them for the actions of employees while driving their vehicles in the scope of their business duties. Without this coverage, a home health care agency or hospice organization could be looking at significant costs.
Manchester Specialty Programs provides Non-Owned and Hired Auto (NOHA) insurance with separate coverage limits as part of our Professional & General Liability policy. Your insureds will get the protection needed in the event a health care worker is in an automobile accident with his or her own vehicle when conducting work-related business and the personal auto coverage falls short. Defense costs can be included in the coverage, and the policy will cover a business to the extent it is liable for the actions of an employee (full time or part time) when driving a vehicle for business purposes.
Our programs and insurance products are offered exclusively through licensed agents and brokers in all states (we do not sell directly to health care firms). Clients have the advantage of working with their local insurance agent or broker of choice.
If you are an insurance agent or broker, please visit our Agent/Broker Resource Center to download/complete our Producer Agreement and start working with us.
If you are a health care firm, please share information on our program and our website with your local insurance agent; they can quickly access our program on your behalf to obtain a competitive quote.
For more information about our insurance programs, please call us at 1-855-972-9399.