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The Home Healthcare Insurance Specialists

Our belief at ISU-The Olson Duncan Agency is that we need to truly understand our client’s industry to provide insurance and risk management solutions that work. This means investing the time and resources into developing a broad knowledge base of the industries we represent, including home healthcare – an industry that today is comprised of about 30,000 establishments across the country with combined annual revenue of about $70 billion. This industry is expected to grow with the graying of America and, by 2025, 1.2 million new professionals and para-professionals will be needed to meet the demand of this dynamic and thriving sector. With this growth will also come increased exposures – risks that need proper management by experienced insurance professionals. Our staff is well positioned to help home healthcare providers protect against risk today and into the future.

Inside Home Healthcare Risks

Home healthcare faces several challenges unique to the industry because of the inherent services provided and work performed. For example, occupational hazards are significant, which can impact an operation’s Workers Compensation premium, particularly if proper safety programs aren’t in place. On-the-job hazards include overexertion (from patient lifting); stress; verbal abuse and other forms of violence in the home or community; bloodborne pathogens; needlesticks; latex sensitivity; temperature extremes; and unhygienic conditions. Dog bites are a common work-related injury.

Professional liability exposures also have to be managed, with home healthcare entities vulnerable to claims alleging negligence or harm by the patient they are tending to, or brought on by a family member. Long commutes from worksite to worksite also expose the home healthcare workers to transportation-related risks.

These and other risks need to be carefully examined to implement solutions aligned with your operation and its exposures. ISU-The Olson Duncan Agency understands the risks unique to the home health industry.

Our Insurance Solutions

ISU-The Olson Duncan Agency offers home healthcare providers broad, competitive insurance products to protect against the risks you face:

  • General Liability
  • Professional Liability
  • Commercial Auto – Including Non-Owned & Hired Auto
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Commercial Property
  • Crime
  • Workers Compensation

Also important is implementing strong risk management strategies that include loss control, safety programs, experience modification management, HR best practices, disaster planning, and more. Our staff can assist you with these and other services to help you stem losses and improve your risk profile.

Our Value

At ISU-The Olson Duncan Agency, we look to provide clients with a total solution, not simply a quote or an insurance contract. Our goal is to provide real value and build a long-term relationship based on trust. This is underscored by the fact that we provide our clients with their risk management and insurance solutions, including property & casualty, employee benefits and personal insurance. To find out more about how we can help you, call us at (310) 373-6441.