Non-Medical Home Care Insurance

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Home Health Aide (non-medical)

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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

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.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel and other advertising injuries

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.

BEST FOR

Slip-and-fall injuries
Damaged client property
Business property damage and theft

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.

BEST FOR

Employee medical expenses
Disability benefits
Lawsuits over employee injuries

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).

BEST FOR

Accusations of negligence
Work mistakes or oversights
Failure to deliver promised services

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.

BEST FOR

Damage caused by your vehicle
Medical bills from an auto accident
Vehicle theft and vandalism

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.

BEST FOR

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:

Complete a free online application
Compare insurance quotes and choose policies
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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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

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