{"ref":"CA-HC-BUS-01","title":"Insurance, Workers’ Compensation, and Employee Dishonesty Bond","category":"Business","summary":"Requires the Agency to keep general and professional liability insurance of at least $1,000,000 per occurrence and $3,000,000 in the aggregate, a valid workers' compensation policy covering its affiliated home care aides, and an employee dishonesty bond with third-party coverage of at least $10,000, to keep proof on file, and never to let coverage lapse.","inShort":["The Agency must always have liability insurance, workers' compensation and an employee dishonesty bond.","Workers' compensation covers every aide from the first day of work.","Report any injury at work to your supervisor right away.","Report any client complaint of loss or damage to the Administrator the same day.","Do not admit fault or promise payment; just report the facts."],"primaryCitation":"Cal. Health & Safety Code §1796.42(b) to (d)","citations":["Cal. Health & Safety Code §1796.42(b), (c), (d)","Cal. Health & Safety Code §1796.37(a)(2) to (4)","Cal. Health & Safety Code §1796.12(a)","Form HCS 281 (12/21) §§A5, B6","Form HCS 402","Cal. Lab. Code §3700","Cal. Lab. Code §2810.5(a)(1)(G)","Form HCS 9201 (11/25)"],"federalCitations":[],"surveyorAsks":["Show me your certificates of general and professional liability insurance. What are the limits?","Show me your workers' compensation policy. Does it cover your home care aides?"],"forms":[{"ref":"CA-HC-BUS-01-A","title":"Insurance and Bond Tracking Record"}],"headings":["Terms of Reference","1. Purpose","2. Scope","3. Definitions","4. Policy Statement (Cal. Health & Safety Code §1796.42(b) to (d))","5. Required Coverage and Proof","6. Keeping Coverage in Force","7. Workers' Compensation and Aides","8. Claims Under the Insurance or the Bond","9. Responsibilities","10. Records and Compliance Monitoring","11. Staff Training","12. References","13. Related Policies and Forms","14. Approval","15. Revision History"],"version":"1.0","sample":false,"pack":"ca-hca","state":"California","service":"Home care","guides":[{"path":"/guides/home-care-agency-policies/","h1":"What policies does a home care agency need?"}],"agency":{"name":"Sample Agency","legalName":"Sample Agency, LLC","logo":null}}