Host Home Program
Apply or Renew Online:(CC or Debit Card Required)
March 2017 – February 2018 (Pay by Check or Money Order)
The Care Association offers a Host Home Program for all eligible Host Home Providers in Colorado as well as many other states. Our insurance program provides you as a provider with Professional Liability, General Liability and HIPPA Privacy Liability coverage at affordable premiums.
It is important to distinguish what a ‘Host Home’ is. A Host Home is, an individual who provides what is referred to as individual residential services and supports (IRSS) in his or her own home to a persons with developmental disabilities over the age of 18. Host Homes provide 24/7 care to an individual living in their homes. Host Homes are considered by many as Adult Foster Care for developmentally disabled adults.
Simply defined, Professional Liability Insurance is coverage for damages that might occur for a negligent act, error, or omission due to professional services rendered or which should have been rendered by you as a provider.
(All Host Home Providers who qualify and meet the minimum insurance underwriting guidelines (*) will be covered by the master policy)
According to the Division for Developmental Disabilities, Administrative Services Rule 16.245 B requires that Program Approved service agencies shall maintain or require to be maintained in force at all times, comprehensive general liability insurance coverage for services that are provided directly by the agency or through contract. A $1,000,000 limit of liability is required.
In addition, damages by reason of negligent act, error, or omission, due to professional services rendered or which should have been rendered is specifically excluded under the comprehensive general liability coverage form. Although not required by rule or statute Professional Liability is included and a part of all our insurance programs.
The Colorado Department of Human Services (C.R.S. Authority 26-1-111) requires that all Contractors (with the State) shall require their Subcontractors (of the Contractors) to carry $1,000.000 in Comprehensive General Liability and Professional Liability unless waived by the State.
All Host Home Providers who qualify and meet the minimum underwriting guidelines(*) will be covered on a master policy.
If you have any questions please feel free to contact our office at 303-333-0375 or you can send an email to Care Association Information