Cincinnati’s Home Health Care Program provides insurance protection for all
sizes of organizations that offer skilled medical or home companion care in
patients’ homes. With the professional advice from your independent agent
representing Cincinnati, you can focus on delivering care to your patients
while we focus on your insurance program.
Expand Your Property and Liability Insurance
The Home Health Care Program begins with our standard
property and
liability coverage. You can further customize your insurance program with a
variety of coverage options:
- CinciPlus® Home Health Care Property Endorsement –
provides coverage specifically for the property important to home health care
organizations:
- - automated external defibrillators (AED)
- - mobile medical equipment, including cell phones, laptops and other highly
portable personal computers
- - money and securities of your customers while in your care, custody or
control
- - additional limit for property while on exhibition at a trade show or
while in transit in a vehicle
- - expenses for counseling (when not guilty) and restoring your reputation
after an actual or alleged act of sexual misconduct
- Cincinnati Data Defender - provides reasonable expenses when responding to a
breach of sensitive employee or client information. Coverage also provides
access to an online cyber risk management portal with breach preparation tools and services to
help protect your organization.
- Home Health Care Commercial General Liability Endorsement – enhances
your home health care liability insurance:
- - covers damage to personal property of your clients caused by you,
regardless of fault
- - covers your acts, errors or omissions committed in the administration of
employee benefit programs
- - expands who is an insured to include your medical directors and
administrators
- - reimburses you for expenses incurred by your medical director or
administrator as the result of a criminal case brought against them
- - expands the definition of bodily injury to include mental anguish as a
result of bodily injury
- - provides medical expenses as a result of bodily injury and reimbursement
for property damage as the result of an assault to an insured when workers’
compensation coverage does not apply
Options to Suit Your Needs
Round out your insurance program with these options:
- sexual misconduct or sexual molestation liability – covers insured
individuals and the organization against such allegations and defends innocent
parties up to the limit of insurance
- crime insurance and service industry bonds – cover the criminal theft of
your clients’ property
- business automobile insurance – covers your risk from a nonowned vehicle or
owning a fleet
- umbrella – provides higher amounts of liability insurance with no
deductible or self-insured retention in most states
Protect Your Professional Reputation
You can tailor professional coverages for exposures unique to home health care
organizations. You receive the option to choose between claims-made or
occurrence coverage forms, which are available in most states. Cincinnati also
offers a professional umbrella.
Cincinnati Advantage
Work confidently, knowing you are protected by a superior insurance program
that provides:
- loss control services at no additional charge
- exceptional claims service from a representative who lives in or near your
community in most cases
- stability from a company with a high financial
strength rating from A.M. Best Co.
- a management team specifically dedicated to keeping your insurance on the
leading edge
