Make sure you're not just purchasing paper! - Having the right agent means you'll get help to lower your risk and prevent claims. Chamberlin & Reinheimer has been in the insurance business for over 100 years. We have been specializing in the field of healthcare for 50 years. Chamberlin & Reinheimer holds membership in several insurance industry associations and trade groups and is a frequent presenter on insurance coverage and risk management at State conferences.
About 20 years ago, we saw that health care delivery models were changing to reflect consumers' preference for home-based care. The everyday comforts of home, the proximity of family and friends, and the familiarity and security of one's own home has been shown to be beneficial for patients and caregivers alike.
Chamberlin & Reinheimer knows that as Americans age and live longer, increasing numbers of them will live with multiple chronic conditions, such as Diabetes, Alzheimer's and Dementia, in addition to functional impairments.
About 20 years ago, we saw that health care delivery models were changing to reflect consumers' preference for home-based care. The everyday comforts of home, the proximity of family and friends, and the familiarity and security of one's own home has been shown to be beneficial for patients and caregivers alike.
Chamberlin & Reinheimer knows that as Americans age and live longer, increasing numbers of them will live with multiple chronic conditions, such as Diabetes, Alzheimer's and Dementia, in addition to functional impairments.
Services
All insurance policies have an Insuring Agreement that states coverage.
The Insuring Agreements for General Liability and Professional Health Care Liability are very different.
An agency that specializes in Home Health and Home Care can help your company to identify and insure for exposures that can result in claims.
Many Home Care and Home Health firms make the costly mistake of relying on General Liability policies to provide adequate coverage for potential claims.
Without specialized coverage, you might be held responsible for defending and paying claims that could be catastrophic for your business.
The Insuring Agreements for General Liability and Professional Health Care Liability are very different.
An agency that specializes in Home Health and Home Care can help your company to identify and insure for exposures that can result in claims.
Many Home Care and Home Health firms make the costly mistake of relying on General Liability policies to provide adequate coverage for potential claims.
Without specialized coverage, you might be held responsible for defending and paying claims that could be catastrophic for your business.
As an employer, you are responsible for the actions of employees who operate their personal vehicles in the course and scope of employment.
As an employer you can be sued for the actions of your employees operating their personal vehicles for work-related duties.
As an employer you need to exercise due diligence regarding the driving history of your employees.
Hired Auto Coverage - Applies only to autos that the insured leases, hires, rents or borrows.
Coverage is for bodily injury or property damage arising out of the maintenance or use of a hired auto.
As an employer you can be sued for the actions of your employees operating their personal vehicles for work-related duties.
As an employer you need to exercise due diligence regarding the driving history of your employees.
Hired Auto Coverage - Applies only to autos that the insured leases, hires, rents or borrows.
Coverage is for bodily injury or property damage arising out of the maintenance or use of a hired auto.
When caregivers are working in private homes, theft exposure exists.
Often, in the care of consumers who are affected by memory loss or cognitive impairments, unfounded allegations of theft may arise.
Sometimes, even when there is no real proof of theft by the caregiver, a Home Care firm will pay compensation to a consumer or patient, appeasing the individual in hopes of retaining his/her business.
Third party theft will cover theft by an employee acting alone or in collusion with other persons.
Often, in the care of consumers who are affected by memory loss or cognitive impairments, unfounded allegations of theft may arise.
Sometimes, even when there is no real proof of theft by the caregiver, a Home Care firm will pay compensation to a consumer or patient, appeasing the individual in hopes of retaining his/her business.
Third party theft will cover theft by an employee acting alone or in collusion with other persons.
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.
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 based care provider.
The information on this site is general in nature and is not a statement of contract.
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.
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 based care provider.
The information on this site is general in nature and is not a statement of contract.
Many of our Home Care clients start by operating from home.
As they grow they may rent office space or even in some cases buy a building and rent to themselves.
Business Personal Property Insurance will cover the company's property at locations listed on the policy and in transit.
The property that needs to be insured is office furniture, phone systems, computer systems and copiers / fax / scanning equipment.
Some or all of this property may be leased but you as a lessor are required to insure it.
As they grow they may rent office space or even in some cases buy a building and rent to themselves.
Business Personal Property Insurance will cover the company's property at locations listed on the policy and in transit.
The property that needs to be insured is office furniture, phone systems, computer systems and copiers / fax / scanning equipment.
Some or all of this property may be leased but you as a lessor are required to insure it.
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