Posted on: August 16, 2016 by Manchester Specialty
Home care provides vital medical and personal care assistance to ill, elderly, convalescent, or disabled individuals who live in their own homes instead of a healthcare facility, and is one of the most rapidly expanding industries in this country. Workers in this sector often facilitate a smooth transition of patients from a hospital to a home setting. They offer patients the unique opportunity to receive quality medical and personal care in the comfort of their own homes.
Along with contributing greatly to the well-being of others, these home care workers also face unique risks on the job to their own personal safety and health, with hazards that include overexertion; stress; slips and falls; verbal abuse and other forms of violence in the home or community; blood-borne pathogens; needle sticks; latex sensitivity; temperature extremes; and unhygienic conditions. Additionally, moving from worksite to worksite (in the home care setting) also exposes a home healthcare worker to transportation-related risks.
Having the safety net of Workers’ Compensation insurance is critical to home health care employees, especially in the unfortunate event of an on-the-job accident or loss. For an employer, Workers’ Compensation coverage is mandatory in most states, and serves to help get workers the medical care they need to heal and return to work as soon as they are able.
When looking to place Workers’ Compensation coverage with an insurance carrier, it’s important for insurance agents and brokers to submit all the necessary information in order to receive accurate underwriting evaluation and premium determinations. When information is missing or inaccurate, miscalculations and problems can occur (for example, in how employees are classified) and appropriate rating or premium discounts may not be applied.
The following components are required to submit a complete Workers’ Compensation application for home care providers:
Manchester Specialty provides Workers’ Compensation insurance to home health care, hospice, companion care and medical staffing firms, and is available to assist agents and brokers in securing the coverage these employers require to protect their workers in the event of an on-the-job accident or illness. Our submission requirements and applications can be found here for easy reference. If you would like additional information about our products, please contact us at 855.972.9399.