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Because the term "abuse" is open to interpretation, alleged acts of abuse can happen to anyone, anywhere—creating risk exposures for all types of organizations and individuals. This article explains how exclusions to liability policies may limit insureds' coverage in the event allegations are made against them.
In the Home Health Care arena many agencies require employees to transport clients throughout the day using their personal vehicles. To protect agencies from liability exposures related to Non-Owned and Hired Auto, we recommend they implement a written Risk Management policy. In this article we highlight a few topics that should be included in such a policy.