Abuse Coverage
This coverage tends to be an uncomfortable subject for many home-based care providers. While it's difficult to contemplate the potential abuse of a vulnerable child or adult, it's essential to maintain coverage to defend against such claims by patients, consumers, or others acting on their behalf.
Abuse can take many forms:
- Sexual behavior, assault, battery or molestation
- Non-sexual assault or battery
- Threatened or alleged acts
The need for this coverage is important and is necessary to pay for the defense if a claim is brought against the caregiver and the home care agency.
Frequently Asked Questions
What forms of abuse does this coverage protect against?
Sexual behavior, assault, battery, molestation, non-sexual assault or battery, and threatened or alleged acts against vulnerable children or adults.
Why is abuse coverage necessary for home care agencies?
To pay for legal defense if a claim is brought against a caregiver and the home care agency, even for unfounded allegations.