Insurance for Home Care Agencies And Providers
Quick, affordable General Liability from $27 per month
Full agency coverage from $51 per month
Coverage for injury, property damage & abuse allegations
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What does home care providers insurance cover?
Home care provider insurance helps independent home care workers and agencies cover the cost of claims, lawsuits, and compensation payment. It covers common industry risks, such as allegations of negligence, patient injuries, third-party property damage, and data breaches.
Why do home health care providers and agencies need insurance?
As a home health care provider, you care for and assist patients in their homes. You may often work with elderly or disabled patients, which can be challenging and unpredictable even for the most careful carer. Home health care insurance provides coverage for claims arising from your daily activities, including malpractice accusations and legal action, whether or not you are at fault.
| Risk scenarios | Coverage benefits |
|---|---|
| Malpractice or negligence claims A patient or their family claims that an error, omission or delay in the care you provided caused the patient’s condition to worsen or resulted in further injury. | Professional Liability insurance (also known as malpractice insurance) may help cover legal defense costs, settlements or judgments if you’re accused of negligence, errors or omissions in the professional services you provide. |
| Patient Injury While assisting a patient with mobility, they lose their balance, fall and sustain an injury, leading to a claim that you failed to provide appropriate care. | Professional Liability insurance may help protect your business against claims arising from patient injuries that are alleged to result from the professional care or services you provide. |
| Third-party injury While visiting a patient’s home, you accidentally knock over an expensive item or a visitor trips over your equipment and is injured. | General Liability insurance may help cover legal costs, compensation and repair or replacement costs if your business is held responsible for third-party bodily injury or property damage. |
| Abuse or harassment allegation A patient or their family alleges that you or one of your employees engaged in abusive, inappropriate or harassing behaviour while providing care. | Abuse and Harassment coverage may help cover legal defense costs and other covered expenses associated with allegations of abuse or harassment involving you or your employees. |
| Data breach or Cyber Incident A cyberattack compromises your computer systems or email account, exposing sensitive patient or business information. | Cyber Liability insurance may help cover the costs of responding to a data breach, including notifying affected individuals, engaging forensic experts, restoring systems and managing certain legal or regulatory expenses, where covered. |
Who needs Home Health Care insurance?
BizInsure understands the needs of home health care businesses and offers customized packages for a range of home care providers, including:
Home Health Aides
Hospice Carers
Home Health Care Providers
Personal Care Assistants
Skilled Nursing Care (RNs and CNAs)
Companion Care Providers
Home Health Agencies
Unskilled / ADL Providers
Nursing Homes
Occupational Therapists
What types of insurance do home care need?
BizInsure offers combined Professional + General Liability Package made specifically for home care agencies and professionals. These policies can cover common risks for home care providers.
Explore your state’s insurance requirements
Select your state to learn about insurance requirements for your home health care business.
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How much does home health care business insurance cost?
Our Combined home health care Professional and General liability insurance starts at $51 per month*.
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 grows with your business
We offer high-limit coverage levels to suit self-employed home health aide or growing home care agencies with complex needs.
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
We offer high-limit coverage levels to suit self-employed home health aide or growing home care agencies with complex needs.
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
Frequently asked questions
Per-occurrence and aggregate limits both refer to the maximum payout of an insurance policy, but in different settings.
Per-occurrence limits are the maximum amount a policy will pay for any one incident or claim. Aggregate limits are the maximum amount that will be paid over the duration of the policy.
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