Insurance, Bonding, and Indemnification
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.
About this policy
- Policy number
- MO-HC-BUS-04
- Version
- 1.0
- Main rule
- 19 CSR 15-7.021(18)(E)
- Library
- Missouri home care · 50 policies
- Category
- Business
- Sections
- 17
In short
- 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.
What's inside
17 sections. The full text comes with the One-time Policy Pack.
- 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
An inspector may ask
- Show me your current certificate of insurance. Is MMAC the certificate holder?
- Is your general liability an occurrence policy, and what are the limits?
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