Home Health Care Services--Other Than Not-For-Profit

What Does GL Code 44500 Cover?

ISO GL class code 44501 covers businesses providing non-medical home health care services to individuals in their residences. This includes assistance with daily living activities, personal care, and companionship, but specifically excludes skilled nursing or medical procedures. It classifies operations focused on supportive care rather than clinical treatment.

Who Uses This Class Code?

This code applies to agencies and individual providers offering non-medical home care, such as personal care attendants, home care aides, and companion services. Businesses like elderly care agencies, respite care providers, and agencies assisting individuals with disabilities in their homes typically fall under this classification, provided they are not-for-profit.

Common GL Claims for This Class

Common GL claims include slip-and-fall incidents where a caregiver accidentally causes a client to fall, leading to injury. Other frequent claims involve property damage to the client's home during the provision of care.

Coverage Tips for Code 44500

• Ensure your General Liability policy includes Professional Liability (Errors & Omissions) coverage, as claims often arise from alleged negligence in care provision.
• Verify that your policy covers abuse and molestation liability, a critical exposure for businesses providing intimate personal care in clients' homes.
• Be aware of workers' compensation requirements for all employees, even part-time caregivers, to avoid significant penalties and uninsured claims.
• Maintain meticulous records of services provided and client agreements, as these are crucial for defending against claims and during insurance audits.