Business Insurance for Healthcare Organizations
Crime Coverage
It's Not Just About Employees Stealing From You
When most business owners think about crime coverage, they picture the classic scenario: an employee embezzling funds or stealing cash from the register. That's certainly part of it, but if you run a home health, home care, or hospice agency, crime coverage means something more.
Your caregivers spend their days alone in clients' homes, often with access to medications, cash, jewelry, and personal belongings that don't belong to your agency. If a client or their family ever accuses a caregiver of theft, that's not a liability claim, it's a crime claim, and it falls under a completely different part of your insurance policy than most agencies realize.
This distinction matters because standard commercial crime coverage is often written with a traditional business in mind, one where the risk is limited to internal theft from the company itself. It doesn't always account for theft of a client's or patient's personal property, which is a very real and specific exposure in this industry. Even when an accusation turns out to be unfounded, it can still trigger a formal complaint, damage your agency's reputation, and put you in a position where you need coverage to respond.
That's why we make sure the agencies we work with have crime coverage that's actually built for this industry, not just a generic policy that assumes the only risk is an employee with their hand in the till.
If you're not sure whether your current policy addresses theft of patient property specifically, it's worth a conversation before it becomes a claim.
