Insurance for Home Healthcare Professionals
- Insurance tailored for home healthcare professionals
- General Liability from $27/month
- Professional + General Liability from $42/month
What does healthcare insurance cover?
Healthcare insurance can help cover costs that arise when something goes wrong in the course of your work, such as:
- Legal defense costs, including settlements or court expenses.
- Settlements or damages, Some policies may help cover settlements or damages if you are found liable for a covered claim.
- Third-party injury or property damage, General Liability coverage may help with claims involving injury to another person or damage to their property.
- Claims linked to professional services, Professional Liability coverage may help with claims connected to your advice, treatment, care, or other professional services.
Coverage depends on policy terms, conditions, exclusions, and insurer acceptance.
Who we cover
Home health care insurance can support a wide range of healthcare and support roles that deliver services outside of clinic or hospital settings. It can be tailored for both independent professionals and businesses with employees, such as:
- Personal Care Aides (PCAs)
- Home Health Aides (HCAs)
- In-Home Care Service Providers
- Nursing Assistants and CNAs
- Registered Nurses (RNs)
- Physical Therapists
- Occupational Therapists
- Nurse Practitioners
- And other medical professionals
Why healthcare professionals need insurance
Healthcare professionals may face various risks that insurance can help them manage. These include:
- Working in a client’s home – Working in homes create risks that are different from working in a controlled clinical environment. You may be dealing with unfamiliar surroundings, physical care tasks, and close patient contact every day.
- Limited control over the work environment – Home care professionals often work in spaces they do not manage or maintain. Uneven flooring, pets, clutter, or tight spaces can all increase the chance of accidents or injury.
- Close contact with patients and clients – Care work often involves direct, personal interaction with clients. That can increase the risk of allegations about improper care, injury, communication issues, or dissatisfaction with the service provided.
- Physical tasks and injury risk – Lifting, assisting mobility, and repetitive movement can lead to strains and other workplace injuries. These risks can affect both individual contractors and businesses with staff.
- Claims of negligence or improper care – Even when you do your job carefully, a client may still claim that your service caused harm, failed to meet expectations, or did not follow a care plan. Insurance can help with the financial impact of these claims.
What insurance do healthcare professionals need?
The types of insurance you may need depends on your role, how you work, and whether you operate alone or employ others. Many healthcare professionals choose a mix of coverage to protect against professional, public, and business-related risks.
Professional liability, known as malpractice insurance for caregivers, protects against claims relating to your work including negligence, libel or slander even if you haven’t made a mistake.
Highlights
- Negligence or misconduct in daily care responsibilities
- Breach of duty, such as failure to deliver services promised
Coverage levels:
- Up to $1 million per occurrence
- Up to $3 million in the aggregate
General liability insurance protects caregivers against claims of client injuries, property damage, associated medical costs, and advertising injury. For example, a client slipping and injuring themselves while in your care.
Our General Liability insurance for caregivers includes Products Liability and Completed Operations Liability coverage.
Coverage levels:
- Up to $1 million per occurrence
- Up to $3 million in the aggregate
Sexual and Physical Misconduct coverage
Abuse and molestation coverage protects caregivers and home care providers against allegations of sexual molestation and physical abuse by clients and employees.
Coverage levels:
- Up to $100,000 per occurrence
- Up to $300,000 in the aggregate
Cyber Breach Response Services coverage
Cyber breach response insurance helps caregivers and healthcare professionals notify clients if their information is accessed in a data breach.
Coverage levels:
- Up to 25,000 notified individuals in the aggregate
- Up to $100,000 in the aggregate
How much does healthcare professionals’ insurance cost?
Healthcare liability insurance costs start at $513 per year for packages that combine Professional Liability and General Liability coverage.
The cost of healthcare insurance depends on the kind of work you do and the level of risk involved. A person providing non-clinical support in the home may face different pricing factors from a nurse practitioner, therapist, or multi-staff care business.
Factors that can impact premium price include:
- Role and level of risk
- Services provided
- Number of clients
- Business size or employment status
- Location
- Claims history
Is insurance required?
Insurance requirements can vary depending on your profession, business setup, and the state where you work. Even where coverage is not legally required, many healthcare professionals still need insurance to meet business or contractual expectations.
- Requirements vary by state and role – Some roles may face state-based rules, licensing expectations, or contractual obligations that affect the types of coverage they need.
- Workers’ Compensation may be required if you hire employees – If you employ staff, Workers’ Compensation insurance may be mandatory under state law.
- Many contracts require proof of insurance – Clients, agencies, and referral partners may ask for proof of insurance before they will work with you.
- Licensing boards may set expectations for some professions – Certain professions may need to meet insurance-related standards set by licensing boards, employers, or contracting bodies.
How to choose the right coverage
The right insurance starts with understanding the work you actually do. Clear, role-based coverage can help avoid gaps and give you more confidence in your protection.
Match coverage to your role and services
Choose insurance that reflects the care, treatment, or support services you provide. Your coverage should align with the real risks in your day-to-day work.
Choose limits that fit your level of risk
Coverage limits should reflect the kind of work you do, the clients you serve, and the size of your operation.
Review your coverage as your work changes
If you add staff, expand services, or take on different clients, review your insurance so it still fits your business.
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