Dear nursing professionals from Düsseldorf and the surrounding area,

Your job is a calling – with enormous responsibility. But what happens if, despite the utmost care, an accident occurs? A patient falls, expensive equipment breaks, or an insurance claim is filed in the home care service. Suddenly, you face hefty claims that could threaten your livelihood. Many employees believe the employer is always liable. This is a misconception! In cases of ordinary or gross negligence, you, as a caregiver, are personally liable, and the costs can skyrocket.

This is precisely where our immediate assistance to avoid financial pitfalls and protect yourself in Düsseldorf and the surrounding area by taking precise steps when reporting insurance

⚠️ Avoid mistakes: The 3 biggest risk traps

1. Insufficient documentation: The classic problem! If damage occurs without complete, up-to-date care documentation, proving your innocence becomes difficult. Legally speaking: If it's not documented, it wasn't done.

2. Lack of or insufficient protection: Relying on your employer's professional liability insurance is often risky. It doesn't always cover all damages or can seek recourse in cases of gross negligence. Private professional liability insurance for caregivers with sufficient coverage is your most important safety net.

3. Incorrect or delayed damage reporting: Anyone who reports damage too late or with incorrect information risks having their insurance company reject the claim entirely. Every delay plays into the other party's hands.

✅ Practical checklist: How to correctly report a claim

If an accident happens, every minute counts. Follow these numbered instructions to ensure your insurance coverage is up to date and avoid mistakes:

1. Immediate notification to the employer: Inform the nursing service management about the incident without delay. Important: Document the facts, but do not admit any guilt .

2. Inform your own insurance company: Report the damage to your professional liability insurance company in writing as soon as possible. Use your insurance company's form for this purpose and be sure to include the keywords "check damage report" and "claims assistance" .

3. Complete documentation: Photograph property damage, note the time, location, persons involved, and create the care documentation as evidence.

4. Do not make any payments: Never contact the injured party directly to make payments or reach a settlement. That is the responsibility of your insurance company.

5. Check your policy: See if the damage (e.g., the loss of work keys) is covered by your policy.

🤖 Your assistant: Risk-BOT & Roland – Not alone if you're rejected

Even when claims are reported correctly, insurance companies sometimes hesitate or reject them. That's exactly where we come in:

• AI Initial Assessment: Our Risk Bot instantly reviews your case against thousands of similar cases. You receive a fast, independent assessment of your liability risk.

• Completeness check: We ensure that your claim contains all the necessary details and that the deadlines have been met to prevent rejection.

• Conflict management: Roland 's expertise . We will fight for your rights and prevent you from being left with the costs.

📞 Conclusion & Immediate Help

As a caregiver in Düsseldorf, you do amazing work. Protect yourself! The best protection is consistent documentation and the assurance that your insurance coverage is complete. Use our service to navigate the process quickly and securely in case of an emergency.

Let's work together to prevent an accident from becoming very expensive for you!