Insuring your business is an important undertaking best entrusted to experts who understand the unique exposures you face on a daily basis. The Homecare Shield advantage is extensive market knowledge and dedicated customer support – both key to successfully managing your risks. We represent your business with the insurance industry’s leading carriers to provide you with the best financial outcome for your bottom line.
Your Home Care Insurance Experts
Why Choose Homecare Shield
Homecare Shield is a specialty division of McDonough Insurance Services. Our clients choose to partner with us because we are The Workers’ Comp experts. Let us focus on our business so you can focus on yours. You will always have us in your corner. We are only a phone call away.
Employers need workers’ compensation for various reasons. Most need it by law, some need it to satisfy contract requirements, and others want to take care of their employees if and when an injury or illness occurs during employment.
Workers’ compensation and a safety-first culture is necessary for the vitality of your business. A sudden on-the-job accident and the unforeseen costs that could cripple cash flow and time could put you at risk of losing everything you have grown. Extra expenses such as time away from work, defense costs, final expenses for employee injuries, and judgements are just the start.
McDonough Insurance Services has formed strong carrier relationships to satisfy the need for workers’ compensation. Coverage is available for all operations.
Benefits of Workers Compensation
- Payment for lost remuneration (not necessarily all lost remuneration) while they are unable to work
- Payment of medical and related expenses that are relevant to the illness or injury.
Troubles with you Ex-Mod? CompShield is your solution!
A comprehensive risk management program begins with a General Liability policy to protect your business against lawsuits for bodily injury and property damage to others. Contact one of our experts for a no-obligation policy review to make sure you have the coverage you need.
Normally, it is difficult for businesses or general contractors to work without professional insurance. Professional liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc.
It is the business owner’s or general contractor’s job to make sure that the people working under him/her are covered by an insurance policy. If for example, a person who is not a part of the project gets injured, the injured person’s lawyer can target just about anyone involved in the project. The more individuals that are involved, the greater the chances of a successful lawsuit.
Employment Practices Liability
Employment Practices Liability Insurance otherwise known as EPLI is insurance that helps protect you against claims from your employees that result from the general conduct of your business.
Common examples of employee related claims include claims relating to:
- Wrongful Discharge
- Sexual Harassment
- Hostile Working Environment
- Wrongful Termination
- Lack of Advancement
Non-Owned Hired Auto
Employees who drive their personal vehicles in the course of their employment present a non-owned auto exposure to their employers. While it is commonly understood that insurance follows the automobile, there are times when the individual employee’s automobile insurance may be insufficient to fully cover bodily injury or property damage caused to a third party in a collision. It is this exposure that the employer seeks to cover by procuring non-owned auto insurance.
Abuse & Molestation
Home Care organizations often provide services to vulnerable clients, such as elderly adults. These clients and agencies that serve them need to have insurance protection regarding damages from any form of abuse, not just sexual abuse or vicarious liability.