What professional liability covers
Professional liability responds when a caregiver's clinical or care-related decision causes injury or death. Common claim triggers include medication mistakes, delayed reporting of a change in condition, wound-care errors, wrongful discharge from care, and neglect allegations from families.
Claims-made vs occurrence
Most home health professional liability is written on a claims-made form, which only responds if the claim is reported while the policy is active. If you switch carriers, you need prior-acts (retroactive) coverage or a tail policy — otherwise a claim from a prior year could go uncovered. KTL manages this transition on every renewal.
Required limits
$1M per occurrence / $3M aggregate is the most common baseline. Hospital referral contracts and Medicare Advantage plans routinely require $2M/$5M or higher. Some large health-system contracts demand $5M/$10M with a commercial umbrella above.
Abuse & molestation carve-out
Standard professional liability often sub-limits or excludes abuse & molestation claims. KTL always confirms whether abuse is included in the professional form or needs to be endorsed / added as a standalone policy.
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