Workers compensation insurance for home care facilities helps to reestablish and preserve employee wellbeing in situations where injury or illness happen during the course of professional duties. These policies typically involve a variety of benefits and areas of assistance, including wage replacement, help with associated medical expenses, and necessary work-related rehabilitation.
For more than a decade, home care owners and administrators have trusted the agents at InsureMyRCFE to provide industry-leading workers compensation policies at the best rates available on the market. From the initial assessment and insurance quoting through to completion, our process allows home care homes that meet the requirements to conveniently click, quote, and bind their desired policies online and in a very short period of time. Each day we strive to provide the protection that these facilities need while making InsureMyRCFE synonymous with premium policies at pro-consumer prices.
While workers compensation regulations vary from state to state, a vast majority of businesses are required to have at least some form of workers comp insurance coverage. Don’t worry if you’re not fully familiar with the requirements in your particular location. Our home care workers comp insurance agents are very knowledgeable, and will be able to provide you with all of the relevant information you need.
Workers Comp Insurance Agent
InsureMyRCFE fairly recently launched a unique Workers Compensation Program that has features not found elsewhere. One of the many highlights of this exclusive program is Risk Management Services that can help reduce the risk of workplace injuries. While such services usually come with a price tag of thousands of dollars, we offer them to our home care clients at a far more affordable cost.
Having been in this industry for a long time, we’re confident that you will not find this degree of knowledge, attention and care with any other company. We have provided home care workers comp insurance coverage for countless highly satisfied clients over the years. And, as our insurance brokers have a clear understanding of the insurance company underwriting requirements, we’re able to make applications available to help you pinpoint the top rates and payment options with the flexibility you need.
Many home care facilities have insurance coverage through a state-managed workers compensation fund. Others are finding themselves paying out more than they should for coverage while using plans determined by payroll projections. As top home care work comp insurance brokers, our ultimate goal is to help clients find the best possible insurance rates for each particular state and facility. With our Pay As You Move payment structure, we’re even able to help with improving the overall cash flow for your operation.
InsureMyRCFE – Work Comp Insurance Broker for Home Care
As with any other insurance policy, it is important to understand what is and is not covered. In a general sense, workers compensation insurance is designed to protect home care employees when work injuries occur. These policies are considered to be a no-fault system that pays out for sustained injuries and associated claims. As mentioned earlier, workers compensation policies usually account for loss of income, medical costs, retraining expenses and even benefits for survivors in the unfortunate event of an employee death.
In certain circumstances, often involving negligence, home care workers comp insurance will not protect the facilities or their employees from legal liability stemming from workplace injury. Some specific situations in which coverage will not apply include violations of the law, incidents involving employee drug or alcohol use, injuries unrelated to workplace actions & duties, and clear violations of defined company policy. While workers compensation law can seem overwhelming, our brokerage is here to provide clarification and make everything as simple and straightforward as possible.
Workers compensation insurance is just one of many critical policies to keep home care facilities and their staff protected. The team at InsureMyRCFE knows the ins and outs of these facilities’ operations, and how effective insurance can maintain safety and compliance while promoting solvency in cases of loss. We’re always seeking to enhance our already unmatched home care insurance policies to consistently provide the very best. If you own or operate a facility and need a quote for workers compensation, liability, or commercial property insurance, contact us online or call our office at (805) 413-5668.