Insurance for Home Healthcare and Hospice Service in Lafayette, LA

The employee's personal auto policy usually responds first. If their limits are low or the claim is larger, the injured party often looks to the agency as the employer.

Hired and non-owned auto coverage protects the agency in that situation. It doesn't repair the employee's car or replace their own insurance, so it's also worth setting minimum personal auto limits for staff who drive.

Louisiana's Medical Malpractice Act has been amended several times in recent sessions, including a 2025 act on health care provider definitions. Whether your agency is a qualified provider, and whether it's enrolled, is worth confirming before you compare professional liability quotes.

Enrollment status changes what the private policy has to do, the same way it does for a physician practice.

Falls during transfers, medication management errors, pressure injuries, missed or late visits, and documentation gaps account for many claims. Each happens in a setting you don't control.

Ask whether the policy includes abuse and molestation coverage. Many policies exclude it, and in-home care is one of the settings where those allegations come up.

Hospice claims are rarely about whether a patient recovered. They tend to center on pain and symptom management, communication with the family, and whether documented wishes and care decisions were followed. They often come from family members rather than the patient.

Comfort medications kept in the home raise handling and disposal questions, and contracted medical directors may or may not be covered under the agency's policy. Both are worth confirming in writing.

Volunteers generally aren't employees, so workers comp may not respond if one is hurt while visiting a patient. Volunteer accident coverage fills that gap.

On the liability side, confirm that your general and professional liability policies list volunteers as insureds, so a claim arising from a volunteer's actions is defended like any other.

It can be. A lost or stolen device with patient information on it may trigger notification duties under federal health privacy rules and Louisiana's breach notification law, especially if the device wasn't encrypted.

Cyber coverage pays for the investigation, notification, and regulatory response. Encryption and remote wipe can keep a lost device from becoming a reportable event in the first place.