SPECIALIZED  COVERAGE

FOR  HOME CARE        PROVIDERS

COMPREHENSIVE PROTECTION FOR YOUR HOME CARE AGENCY



   AS AN AGENCY THAT SPECIALIZES IN PROTECTING HOME CARE PROVIDERS WE OFFER CUSTOMIZED PRODUCTS AND SERVICES TO HELP         YOU ADDRESS THE UNIQUE RISKS FACING YOUR ORGANIZATION.

To safeguard your clients, staff, property and future, we offer top-of- the-line coverages — specifically designed for home health care and hospice agencies.

Fairfield Insurance Associates Inc will serve as the foundation of your organization’s insurance program by delivering an exceptional combination of property and liability coverage, along with many extra coverage. Plus, you have the flexibility to choose specific options to tailor a program to your exact needs.

 So for the utmost in reliability, coverage and expert service, team up with Fairfield Insurance.

PROPERTY COVERAGE

PROPERTY COVERAGE PROVIDES FINANCIAL PROTECTION AGAINST LOSS OR DAMAGE TO YOUR ORGANIZATION’S PROPERTY (INCLUDING BUILDINGS, CONTENTS AND MORE). 
Our most comprehensive insurance policy includes coverage for every type of loss, unless it is specifically excluded.

Extra Property Coverage Included

No matter which form of property coverage you select, your policy will automatically include coverage for standard items, along with many unique items, such as:

Other  Coverages Available

Your agency can choose to add any of the following endorsements to your policy for greater property protection. These coverages are available for an additional charge.

Crime Coverage — Provides protection for money and security losses resulting from theft, burglary, robbery, employee dishonesty, forgery and alteration.

Inland Marine Coverage — A broad type of insurance that covers property or equipment that may be transported from one place to another.

Time Element Coverage for Extra Expenses and Business Income — In the event of a loss such as a fire, these coverages

•   Indirect loss, including coverage for a crisis event

•   Fire and security alarm system upgrade

•   Utility services interruption (direct damage and time element)

•   Automated external defibrillators  (AED)

•   Earthquake sprinkler leakage

•   Alternative  key systems

•   Emergency  evacuation

•   Key person replacement expenses

•   Newly acquired or constructed property

•   Personal property of managerial employees  and others

•   Equipment breakdown, including computers, boilers and electrical equipment

•   Fire extinguisher recharge

•   Refrigerated products loss

•   Sewer or drain backup

•   Ordinance or law

can help pay for extra expenses incurred to continue operations and business income that was lost. A minimal amount is already included.

Green Upgrade Coverage — Pays for the reasonable additional costs to upgrade to more energy efficient and environmentally friendly building elements and appliances in the event of a covered loss.

Limited Flood Coverage — Provides building and personal property coverage on a limited basis when loss or damage is a direct result of flood.

Liability for Clients Property — Provides protection for loss of clients property resulting from employee theft.

GENERAL LIABILITY COVERAGE

YOUR POLICY INCLUDES GENERAL LIABILITY INSURANCE THAT COVERS THE AGENCY’S LEGAL LIABILITY RESULTING FROM INJURIES TO PEOPLE OR DAMAGE TO THEIR PROPERTY.

This coverage protects the agency’s legal liability on either an occurrence or claims-made basis with no deductible in most standard situations.

Claims-Made Coverage — Protects against incidents that  arise from care provided after either the policy’s retroactive date or effective date, as long as the claim is reported when the policy is in force or during the extended reporting period.

Occurrence Coverage — Protects against incidents that occur while the policy is in force, regardless of when the claim is reported.

There is no time limit on when a claim can be reported and the carrier is permanently responsible for past losses in the policy period.

The following coverage enhancements are automatically included:

Liability Options Available

offers a wide variety of optional liability endorsements to further enhance your agency’s protection. Your agent can help you determine which of the following options are needed.

Employee Benefits Liability — Covers negligent acts, errors or omissions arising out of the administration of employee benefit programs.

Non-Owned and Hired Auto Liability — Provides excess liability and medical coverage for your agency should legal liability arise out of the use of a non-owned or hired auto.

•   Spiritual counseling

•   Damage to property of others

•   Advertising/personal injury liability — including libel, slander and false arrest

•   Covered expenses resulting from a crisis event occurring during your sponsored activity

•   Counseling services performed by a psychologist, counselor or social worker

Professional Liability — Coverage that applies to your agencies legal liability for providing professional services, including, but not limited to:

•   Medical, surgical, dental or nursing treatment to a person

•   Furnishing or dispensing of drugs or medical, dental or surgical supplies or appliances

Sexual Misconduct Liability — Protects an agency from legal liability arising

Medical Payments — This coverage pays reasonable medical expenses,

regardless of liability, for guests and volunteer workers. Coverage is provided on a primary basis for activities on or off the premises. Covered expenses include:

from acts of sexual misconduct by a staff member or volunteer.

SPECIAL  POLICIES AVAILABLE

•  First aid at time of accident

•   Necessary medical, surgical, x-ray and dental service

•   Ambulance service as needed

•   Emergency  hospital treatment

•   Lost wages

IF YOU NEED GREATER PROTECTION,WE HAVE AVAILABLE ADDITIONAL SPECIAL POLICIES TO COMPLEMENT YOUR INSURANCE PLAN. These policies are critical for many organizations and provide the highest levels of coverage and competitive pricing.

•   Business Automobile Policy

•   Umbrella Policies