Insurance for Caregivers and Non-Medical Home Care
General Liability from $27/month
Professional + General Liability Package from $42/month
Instant quotes and same-day coverage confirmation
Customized policies tailored to your home care business
Insured with
Your trusted partner
About Gregory & Appel
Gregory & Appel is a full-service insurance brokerage and risk management firm with deep expertise across the healthcare and homecare sector. For decades, G&A has helped home-based care businesses navigate complex insurance decisions — from individual home care aides to large agencies managing multi-state workforces.
Through this partnership, Gregory & Appel clients gain direct access to BizInsure’s technology platform and purpose-built home care insurance products. This is a joint experience: G&A’s sector expertise, paired with BizInsure’s fast, digital-first coverage – all in one place.
Full-service brokerage
Risk management, compliance, and coverage advisory
Dedicated to your business
Specialized coverage tailored to home-based care businesses
Exclusive access
G&A clients enter a streamlined joint experience with BizInsure
powered by bizinsure
Why BizInsure?
BizInsure provides the technology platform and insurance products behind this offering. Since 2012, we’ve specialized in giving small businesses fast, straightforward access to A-rated insurance — with a proven track record serving the home care sector specifically
Policies are underwritten by Beazley – a specialist, A-rated insurer with deep expertise in home care businesses. Designed for the real risks home care providers face every day.
 It’s free Multiple quotes from A-rated insurers at no cost. |  It’s instant Policy emailed immediately on purchase. No paperwork. |  Trusted Thousands of home care businesses covered nationwide. |
25,000+
Small businesses covered across the US
4.8 ★
Average Google rating from verified customers
$0
Broker fees – our service is always free
5 min
Average time to get covered online
The offering
A combined GL + PL policy built for home care professionals
BizInsure offers General Liability and Professional Liability as a bundled policy – at a premium comparable to purchasing GL alone. For home care businesses, having both isn’t optional: it’s essential.
General Liability (GL)
Third-party property damage & bodily injury
Covers claims from third parties for property damage or bodily injury that are unrelated to the direct care you provide. For example, if a client trips over equipment you’ve left at a worksite, or a visitor is injured on a property where you’re working.
Third-party bodily injury claims
Third-party property damage claims
Products / Completed Operations Liability
Coverage up to $1M per occurrence / $3M aggregate.
From $27/month
Professional Liability (PL/E&O)
Claims from the direct physical care you provide
Covers claims arising from errors, omissions, or negligence in the direct delivery of care to a client. This is the coverage that responds when something goes wrong during hands-on caregiving – not GL.
Errors, omissions, or negligence in care delivery
Malpractice accusations and legal defence costs
Breach of contract claims
Coverage up to $1M per occurrence / $3M aggregate.
Included in bundle
GL + PL — one policy, one price
BizInsure bundles both General Liability and Professional Liability into a single policy at a premium comparable to purchasing GL alone. Complete protection without paying twice.
⚠️ Why GL alone is not enough for homecare providers
This is the most important distinction for any homecare business to understand. General Liability and Professional Liability cover different types of incidents:
GL COVERS A client trips on a piece of equipment you left in a hallway. The injury is unrelated to the care you were providing — GL responds.
GL DOES NOT COVER PL COVERS A caregiver physically assists a client out of a chair. The client is injured during that assisted transfer. Because the incident arose directly from the delivery of hands-on care, GL will not respond to this claim. Professional Liability (E&O) is required.
For home care professionals, personal care assistants, and any provider delivering physical care to clients, PL is important — it is the policy that protects you where it matters most. BizInsure’s bundled policy gives you both, at a price built for small home care businesses.
Additional coverage options
Abuse & Molestation — Up to $100K per occurrence / $300K aggregate.
Breach Response Services — Cyber breach notification for up to 25,000 individuals / $100K aggregate.
Hired & Non-Owned Auto — Covers vehicles used for work but not owned by your business.
Simple online process
Buy insurance in 10 minutes
No paperwork. No complicated forms. We know you’re busy — so we’ve made getting covered as simple as possible.
Tell us about your business
Answer a few quick questions about the care services you provide. No insurance jargon, no complicated forms.
Compare quotes instantly
Review your personalised quote straight away. The price you see is the price you pay — no hidden fees.
Get covered today
Complete your purchase online. Your certificate of insurance arrives by email immediately — same day.
Ready to get started
Protect your homecare business today
Get your free quote in under 5 minutes. No commitment, no broker fees.
You can relax knowing you’ve secured the right insurance at a competitive price.
BizInsure’s licensed and knowledgeable agents are here to help you find the right product
