{"ref":"FL-HC-BUS-04","title":"Insurance, Financial Stability, and Workers' Compensation","category":"Business","summary":"Requires a licensed home health agency to carry malpractice and liability insurance of not less than $250,000 per claim, with proof at each renewal and insurance renewals reported to AHCA within 21 days; sets the Agency's own insurance standards for registrants and for transport, crime and workers' compensation; and requires disclosure of financial instability and notice to AHCA within 10 days of a bankruptcy, foreclosure or eviction action.","inShort":["The Agency carries the insurance Florida law requires and keeps it current.","Report every work injury, including a needlestick, to the office the same day.","Do not drive a client unless the client's agreement allows it and you have a valid license and insurance on file.","Tell the Administrator at once if you hear of any threat to the Agency's insurance or finances."],"primaryCitation":"s. 400.471(3), F.S.","citations":["s. 400.471(3), F.S.","s. 408.810(3), (7)-(9), F.S.","s. 408.8065, F.S.","Rule 59A-35.110(1)(a), F.A.C.","s. 440.02(17)(b)2, F.S.","s. 440.185(1)-(2), F.S."],"federalCitations":[],"surveyorAsks":["Show me your current malpractice and liability insurance certificates and the per-claim limits.","When did your insurance last renew, and when did you report it to AHCA?"],"forms":[{"ref":"FL-HC-BUS-04-A","title":"Insurance and Financial Compliance Record"}],"headings":["Terms of Reference","1. Purpose","2. Scope","3. Definitions","4. Policy Statement (s. 400.471(3), F.S.)","5. Insurance the Agency Carries","6. Proof of Coverage and Reporting","7. Financial Ability to Operate","8. Disclosure of Financial Instability","9. Work Injuries and Workers' Compensation","10. Responsibilities","11. Records and Compliance Monitoring","12. Staff Training","13. References","14. Related Policies and Forms","15. Approval","16. Revision History"],"version":"1.0","sample":false,"pack":"fl-hca","state":"Florida","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}}