Working as a home health care provider can be quite rewarding. Being available on a regular basis to care for the needs of individuals who may not be able to care for themselves is an important job. It requires dependability, patience and a level of empathy for the welfare of another. On the other hand, this type of work also has a high level of danger in terms of exposure and liability. Those who commit to spending their lives in the service of others also need to take appropriate measures for self-protection. A great step in that direction is seeking out specialty programs that focus on insuring home health care providers.
Considering the lack of supervision and monitoring in a home care situation, providers that do this type of work need to be prepared in case of liability. Accidents happen, things can turn suddenly for the worse and misunderstandings may occur. To protect a provider, some form of liability insurance is a necessity.
There are other aspects of this line of work that should be taken into consideration as well. Make sure that whatever specialty programs are selected for provider coverage that these areas are also considered: worker’s compensation for any on-the-job injury, automobile insurance if transportation is required, and professional liability insurance.