Insuring Caregiving Organizations

Home Healthcare Insurance Coverage & Benefits

Glatfelter Healthcare Practice has tailored the following coverage specifically for home healthcare agencies:

Professional Liability

Referred to as malpractice or E&O insurance; Glatfelter’s policy states: “We will pay those sums the insured becomes legally obligated to pay as damages because of injury arising out of a medical incident.” The policy further defines “medical incident” as any act, error or omission in the rendering or failure to render professional healthcare services by you or anyone for whose professional healthcare services you are legally responsible, with “professional healthcare services” being broadly defined.

General Liability

Glatfelter provides one policy for Professional & General Liability to avoid delays caused by carrier disagreements as to which policy applies. We also offer Defense Costs outside the limit, Duty to Defend and Pay on Behalf coverage.


Provides liability coverage for fleet as well as hired/non-owned vehicles for employees and volunteers.

Excess Liability

Provides additional liability limits when primary layer General Liability, Professional Liability or Auto Liability insurance limits are exceeded.

directors and officers liability

Directors’ & Officers’ (D&O) Liability 

A type of management liability coverage; Our policy covers the healthcare entity as well as directors and officers for wrongful acts.

employment practices liability

Employment Practices Liability

Available to not-for-profit healthcare providers. For profit entities are a refer to company."

Sexual Abuse Liability

Glatfelter covers abuse liability, but excludes coverage for sexual abuse liability. This coverage can, however, be added by endorsement for those home healthcare organizations that comply with our sexual abuse loss control program highlighted in our Safety Central.


Glatfelter provides for all causes of loss unless specifically excluded.