Stethoscope and injections at a medial office

Workers' Compensation Insurance for Healthcare

Name: Workers' Compensation Insurance for Healthcare
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for Doctor's offices, home health care and clinics

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Why do Healthcare Workers need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Accidents happen. Having clinical and home health workers' compensation insurance offers your staff members an extra layer of protection in the event of an injury, and it can protect your organization from reputation damage.

Healthcare workers' compensation insurance coverage acts as a safety net if something goes wrong. This can cover lost wages, medical expenses and even legal fees.

Common Healthcare injuries

Sprains and strains,
Slipped discs
Bloodborne infectious diseases
Infections
Broken bones

Common types of Healthcare Worker workers we can insure

Assisted Living Facilities, ALF

Chiropractors

Health Clinic or Urgent Care

Home Healthcare Providers

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

Home Health Care Workers’ Compensation Insurance

Does workers' comp cover home care?

Yes. Kickstand’s healthcare workers' comp insurance policy can cover all staff members who work within the healthcare industry. Reach out to us for more specifics on this type of policy and other questions regarding workers' comp in home healthcare.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Healthcare workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Healthcare Worker Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Healthcare Workers cost?

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Healthcare

8824 - Retirement Living Centers: Health Care Employees

8824 - Assisted Living Facilities, ALF: Health Care Employees

8824 - Nursing Homes, SNF: Health Care Employees

8826 - Retirement Living Centers: All Other Employees

8826 - Assisted Living Facilities, ALF: All Other Employees

8826 - Nursing Homes, SNF: All Other Employees

8831 - Veterinary

8832 - Physician & Clerical

8832 - Dentist & Clerical

8832 - Health Clinic or Urgent Care

8833 - Hospital: Professional Employees

8842 - Group Homes - All Employees & Salespersons, Drivers

Don't see your business classification?
We're here to help. Call 866-338-8823.

Looking for Workers' Compensation Insurance for Healthcare Workers?
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Finding reasonable workers' compensation for home health aids or healthcare workers in a clinic or facility doesn’t have to be difficult. Don’t waste time browsing healthcare workers' compensation insurance companies for coverage - work with Kickstand Insurance instead.

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Helpful tips to save money

Choosing Healthcare Workers insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Healthcare Worker Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Healthcare Worker Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Healthcare Workers

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

We are a physical & occupational therapy clinic and our therapists are independent contractors that do not have their own workers' comp coverage. Do I need to include them in our policy?

It is strongly recommended to include such employees in your workers' compensation policy.

State laws on Workers' Comp for Healthcare Workers

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
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Choose your state from the dropdown to learn more.

Need other types of insurance for Healthcare Workers?

Yes, we can help with that too!

Learn more about Healthcare Worker Insurance

Workers' Comp for Nurse Staffing Agencies: An Essential Guide

Get the Most from Your Healthcare Workers’ Comp - Kickstand

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for healthcare insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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Get Workers’ Compensation for Healthcare workers today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

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The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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