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What does Home Care Liability Insurance cover in Delaware?

Home Care Liability Insurance can help protect Nevada home care providers against claims related to client care, professional services, and accidents that happen during business operations. Coverage can help with claims involving client injuries, property damage, professional negligence, and related legal costs.

It can help cover situations such as:

  • A caregiver accidentally damages a client’s furniture during a home visit
  • A client alleges that a mistake in their care caused an injury
  • A family member raises concerns about the care provided
  • An error in client records leads to a complaint or claim
  • A client alleges that a professional service was not performed correctly

BizInsure offers insurance options for home care businesses across Nevada, including Las Vegas, Reno, Henderson, North Las Vegas, Sparks, and surrounding areas.

A home care worker assisting a senior person at a home care agency

Why do Nevada home health aides and agencies need insurance?

When you provide care in a client’s home, even a routine service can lead to an unexpected claim. Nevada home health aides and agencies also face unique risks related to client care, employees, supervision, and daily operations. Business insurance can help cover eligible claims and legal defense costs.

Common risks include:

  • A client is injured during a transfer or home visit
  • A client alleges inadequate or negligent care
  • An employee is injured while assisting a client
  • A claim arises from an employee’s actions

Who needs home care business insurance in Nevada?

From independent caregivers to established home care agencies, every business has different insurance needs. BizInsure offers flexible coverage options designed to suit your services, operations, and business size.

Hospice Carers

Personal Care Assistants

Skilled Nursing Care (RNs and CNAs)

Companion Care Providers

Unskilled / ADL Providers

Occupational Therapists

Respite Care Providers

Types of insurance for home care services in Nevada

BizInsure offers a Miscellaneous Medical Liability Package designed for home care businesses. It combines key liability protections into a single package, making it easier for providers to get coverage that suits their business needs.

General Liability insurance

Protects home care providers in Nevada against third-party claims of bodily injury and property damage arising from incidents in clients’ homes or care facilities. We offer coverage of up to $1 million per occurrence and $3 million in the aggregate.

General Liability

Professional Liability insurance

Professional Liability (also known as Medical Malpractice) insurance in Nevada protects home care providers against allegations of negligence, errors, omissions in your care services. We offer coverage up to $1 million per occurrence / $3 million in the aggregate.

Professional Liability nurses

Sexual Abuse and Molestation

It can protect home care providers in Nevada against claims of abuse or molestation. It can include legal defense costs. Coverage available of up to $100,000 per occurrence and $300,000 in the aggregate.

Sexual harassment Cover

Workers Compensation Insurance

Workers’ Compensation insurance for home care agencies in Nevada is designed to cover medical expenses and lost wages if an employee suffers a work-related injury or illness.

Workers Comp insurance

How much does home care insurance cost in Nevada?

General Liability Insurance for home health aides starts at $27 per month. For home health agencies, General Liability and Professional Liability Insurance starts at $51 per month.

home health care providers insurance cost

Factors influencing cost

  • Risks of the industry 
  • Coverage level amount
  • Annual turnover
  • Number of employees
  • Claims history

The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.

Get flexible coverage to grow with your business

Choose customized coverage levels that fit your home care services, business size, and needs.

Coverage levels to choose

  • Up to $1 million per occurrence
  • Up to $3 million in the aggregate

Coverage levels to choose

  • $1 million per occurrence
  • $3 million in the aggregate
  • Statutory Profession Requirements
  • Coverage required by contracts
  • Number of employees being covered
  • Your contract value
  • Worst case scenario claim size
home health care providers insurance cost

Factors influencing cost

  • Risks of the industry 
  • Coverage level amount
  • Annual turnover
  • Number of employees
  • Claims history

The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.

Flexible coverage to grow with your business

Choose flexible coverage levels to match your South Dakota home care business needs.

Coverage levels to choose

  • Up to $1 million per occurrence
  • Up to $3 million in the aggregate

Coverage levels to choose

  • $1 million per occurrence
  • $3 million in the aggregate

Unsure how much to choose? Think about:

  • Statutory professional requirements
  • Coverage required by contracts
  • Number of employees being covered
  • Your contract value
  • Worst case scenario claim size

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