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.
These insurance policies cover the most common risks of caregiving.
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.
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.
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.
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).
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.
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.
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:
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.