CALL TODAY: (855) 972-9399
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.
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.