Home Health Agencies Insurance
Commercial Auto Insurance
for Home Health Agencies
Home health caregivers drive their own vehicles or agency vehicles to patient homes all day. Commercial auto (or a hired/non-owned auto policy) covers vehicle accidents during business travel — critical since personal auto policies often exclude business use.
Industry-Specific Insight
Why Home Health Agencies Businesses Need Commercial Auto Insurance
Home health caregivers drive their own vehicles or agency vehicles to patient homes all day. Commercial auto (or a hired/non-owned auto policy) covers vehicle accidents during business travel — critical since personal auto policies often exclude business use.
Coverage Details
What Commercial Auto Insurance Covers
Key protections included in a commercial auto policy for home health agencies operations.
FAQs
Common Questions from Home Health Agencies Businesses
Does commercial auto cover caregivers driving their own cars to patients?
Hired and non-owned auto (HNOA) coverage covers your agency's liability when employees use personal vehicles for work. Caregivers' personal damage to their own vehicles is not covered.
Do agency-owned vehicles need commercial auto?
Yes. Any vehicle owned by your agency must be insured under a commercial auto policy.
Can't I just use my personal auto policy for a work vehicle?
If a vehicle is primarily used for business, most personal auto policies will deny claims that arise from business use. Even vehicles that are also used personally should be covered under a commercial policy if they're regularly used for work. A licensed agent can help clarify where the line is.
What is hired and non-owned auto liability?
If your employees rent vehicles while traveling for work, or drive their personal cars for business errands, your business could be liable if an accident occurs. Hired and non-owned auto (HNOA) coverage fills that gap.
Complete Coverage
Other Coverages Home Health Agencies Businesses Commonly Need
A complete protection plan for home health agencies operations typically includes several complementary coverages.
Home Health Agencies · Commercial Auto
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