In our previous blog post, we covered the importance of Hired and Non-Owned Auto (HNOA) coverage.  It is just as important to have risk management and loss control procedures in place as it is to have HNOA insurance.  After all, you’d want to be able to prevent and reduce exposure, before a serious claim ever materializes.

While there are some home health care agencies that own a fleet of vehicles that are available for their employees to use to get back and forth from a client’s house, it is more common that employees use their own vehicles for business purposes. Consequently, most home health care business owners believe that because they lack any “owned” autos, there is not a need to carry auto insurance