A non-profit health care agency that sends a medical professional to care for patients in their own homes is called a visiting nurse association (VNA). This type of association provides valuable services and treatments to their patients and should be covered by specialty insurance for VNAs.
Functions of a VNA
Some of the in-home care solutions VNAs offer their patients include:
- Rehabilitation therapy
- Medical counseling
- Health aide
Because many patients are not able to be transported to a hospital easily or frequently, it is important for these services to be available in many different locations.
Liabilities of a VNA
VNAs face a broad range of liabilities because of the numerous services they provide. The association may be held liable for the medical care given not only by its employees, but also by its volunteers. Independent contractors can also be named in a lawsuit.
What Specialty Insurance Covers
Ordinary insurance may not be enough to address the multiple areas of coverage required by a VNA like:
- Professional Liability
- Directors’ and Officers’ Liability
- Employment Practices Liability
- Non-owned and Hired Auto Liability
These are crucial areas to have insured and you can normally only find these types of policies through a specialty insurance company.
If you want to ensure that your staff is happy and attract quality professionals to your association, it is important to make sure they are covered by specialty insurance. Getting specialty insurance for VNAs can improve their functionality.