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.
Abuse can take many forms:
- Sexual behavior, assault, battery or molestation
- Non sexual assault or battery
- Threatened or alleged acts
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.