Home Healthcare Coverage

Home healthcare is a large and crucial industry, but it can be hard to find insurance coverage for businesses with a wide range of locations, activities, and scopes. Luckily, Karstens Financial has access to industry leading markets that specialize in health and home healthcare. 


Workers’ compensation

In the event an employee suffers an injury or disease arising in the course and the scope of their employment, regardless of negligence on your part. (Available for purchase as a separate policy.)


In the home healthcare business, workers comp coverage follows your employees to each site they visit.

Health worker liability coverage

In case a third party alleges bodily harm, injury or property damage caused by your negligence.

Damage to others’ property in your care

In case an accident causes damage to someone else’s property that’s in your care, custody or control. (Available for purchase on select policies.)

Business auto

To protect you, your drivers and your business in many important ways. (Available for purchase as a separate policy.)

Coverage for property losses

For things like vandalism to your business, fire damage to your equipment and more.

Healthcare equipment coverage

For equipment stolen from your building, at a patient’s home or somewhere else. (Available for purchase as an additional coverage.)


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