Non-Medical Home Care Insurance

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Why do caregivers need insurance?

Tension runs high when you're taking care of a family's loved one, and accidents can happen even when you provide the best possible care. Home caregiver insurance can help cover costly risks, from client injuries to negligence lawsuits.

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Save money on insurance

Personal care aides, homemakers, and companions can save money by comparing free quotes from top-rated insurers with Insureon.

Gain financial protection and peace of mind knowing you have the right coverage for home care services.

What types of business insurance do personal care providers need?

These insurance policies cover the most common risks of caregiving.

General liability insurance icon

General liability insurance

General liability insurance covers basic home health care service risks, such as a client with Alzheimer's slipping and suffering an injury while in your custodial care.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel and other advertising injuries
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Business owner's policy

A business owner's policy, or BOP, is a cost-effective way for a personal care aide to buy commercial property insurance and general liability coverage together.

  • Slip-and-fall injuries
  • Damaged client property
  • Business property damage and theft
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Workers’ compensation insurance

Most states require workers’ comp for home care businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits over employee injuries
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Professional liability / medical malpractice

This policy can pay legal costs related to work performance, such as an accusation of negligence from a client's family member. It's also called errors and omissions insurance (E&O).

  • Accusations of negligence
  • Work mistakes or oversights
  • Failure to deliver promised services
Commercial auto insurance icon

Commercial auto insurance

Most states require commercial auto insurance for vehicles owned by a home care business. It helps cover the cost of an accident involving your business vehicle.

  • Damage caused by your vehicle
  • Medical bills from an auto accident
  • Vehicle theft and vandalism
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Cyber liability insurance

This policy helps in-home care businesses survive data breaches and cyberattacks. It can often be added to a business owner's policy or general liability policy for savings.

  • Customer notification expenses
  • Data breach lawsuits
  • Fraud monitoring costs
Looking for different coverage? See more policies.

How much does business insurance cost for healthcare professionals?

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A personal care aide or companion caregiver will likely have lower premiums than a registered nurse or home healthcare provider who also manage their clients' medical care.

Factors that affect the cost of insurance include:

  • Level of care offered, such as skilled nursing care, meal preparation, or short-term respite care
  • Business property and equipment
  • Business income and size
  • Types of business insurance purchased
  • Policy limits and deductibles
View Costs

How do I get caregiver business insurance?

It’s easy to get insurance coverage for in-home care, including special needs and elder care, if you have your business information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. providers to find the right business insurance and fidelity bonds for your home care agency, whether you work independently or hire employees.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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