Non-Medical Home Care Business Insurance

Common risks faced by non-medical home care agencies

Client injury claims

Client injuries are a common risk for home care agencies. Common examples include:

• A client slips in the shower while you are assisting with bathing
• You accidentally drop a patient during a bed-to-chair transfer
• A client trips on the sidewalk while you’re escorting them to an appointment

Property damage incidents

Home care staff work in client homes, creating the potential for property damage claims such as:

• You spill food or drink that stains a client’s carpet
• An employee accidentally knocks over and breaks a client’s vase while cleaning
• You scratch the client’s wooden flooring while moving mobility equipment

Negligence allegations

Home care providers provide essential care to clients. If care expectations are not met, you may face negligence allegations such as:

• Not providing adequate supervision or assistance to a client while walking or getting out of bed
• Failing to remind clients to take prescribed medications
• Providing inadequate hygiene assistance that results in further medical issues

Employee injury claims

Injuries are common for home care workers. These may include:

• Spine and back injuries from lifting, transfers, and bending
• Knee injuries from kneeling or squatting to assist with bathing, cleaning, or wound care
• Slips, trips, and falls from navigating cluttered or unfamiliar homes

Transportation risks

Home care providers often transport clients to and from appointments, errands, and social visits. Traffic accidents can injure clients and staff and damage agency vehicles.

Data privacy risks

Non-medical home care agencies store sensitive client information that makes them attractive targets for cybercrime. Common data privacy risks include:

• An employee clicking on a phishing email link that exposes your system to ransomware
• Accidentally emailing sensitive information to the wrong client

Does home care insurance cover employees?

Yes. Home care insurance covers your employees. It helps protect your business against property damage, client injury, negligence allegations, and other common claims related to the actions of your staff. Workers’ Compensation insurance covers employee injuries that occur while they are working.

How much does non-medical home care business insurance cost?

Business insurance for non-medical home care businesses costs from $513 per year.

However, prices can vary. Factors that influence premiums include:

• Number of employees covered
• Services offered
• Annual revenue
• The state(s) you work in
• Coverage limits
• Claims history