{"ref":"MO-HC-BUS-04","title":"Insurance, Bonding, and Indemnification","category":"Business","summary":"Keeps in force at all times the coverage Missouri's in-home service standards require: occurrence-based commercial general liability and professional liability of at least $1 million per event and $3 million aggregate, each naming MMAC as certificate holder; an employee dishonesty bond; bonding for those with fiscal duties; workers' compensation; and automobile coverage, with renewal tracking and authority for insurers to report to MMAC.","inShort":["The Agency keeps liability insurance, professional liability insurance and a dishonesty bond that cover you while you work.","Report any injury to a participant, damage to their property, or claim of theft to the office right away.","Report your own work injury to your supervisor the same day.","If you drive between homes, keep your own car insurance current and give the office proof.","Never promise a participant that the Agency will pay for something. Tell the office instead."],"primaryCitation":"19 CSR 15-7.021(18)(E)","citations":["19 CSR 15-7.021(5)(A)7","19 CSR 15-7.021(18)(D)","19 CSR 15-7.021(18)(E)","19 CSR 15-7.010(16)(D)","19 CSR 15-7.010(16)(E)","MMAC In-Home Services Program Requirements 4.7.1, 5.11, 5.11.1, 5.13.1","MMAC In-Home Services Assurances, items 16, 17","MMAC In-Home Services Proposal for Contract, Section III","MMAC Terms and Conditions 9","RSMo Chapter 287"],"federalCitations":[],"surveyorAsks":["Show me your current certificate of insurance. Is MMAC the certificate holder?","Is your general liability an occurrence policy, and what are the limits?"],"forms":[{"ref":"MO-HC-BUS-04-A","title":"Insurance and Bond Register"}],"headings":["Terms of Reference","1. Purpose","2. Scope","3. Definitions","4. Policy Statement (19 CSR 15-7.021(18)(E))","5. Required Coverage","6. Certificates of Insurance and MMAC","7. Renewals, Changes and Lapses","8. Indemnification","9. Claims and Incidents","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":"mo-hca","state":"Missouri","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}}