Home Health Aide Insurance
Quick, affordable General Liability from $27/mo
Covers if a client gets hurt during a bath or mobility support
Often expected by agencies, partners or contracts
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From multiple carriers
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Buy online in minutes
Save Money
Switch and save
Instant Coverage
Delivered to your inbox
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On this page:
What does home health aide insurance cover?
Home health aide insurance usually covers the financial impact of claims, not just the claim itself.
Depending on the policy, coverage may include:
- Legal defense costs
- Settlements or damages
- Third-party injuries
- Property damage
- Some personal injury claims
- Employee injury benefits under Workers’ Compensation.
Of course, the exact coverage depends on the insurer, policy wording, exclusions, limits, deductibles, and your business activities – so make sure you read the terms and conditions.
Why do home health aides need insurance?
Home health aides work in close contact with clients, often in the privacy of the client’s home. Accidents, misunderstandings, and injury claims can happen suddenly, despite the best efforts of the home health aide.
| Risk scenarios | Coverage benefits |
|---|---|
| Property damage While assisting a client in their home, you accidentally knock over and damage an expensive household item. | General Liability Insurance can help cover legal costs and compensation if you’re held responsible for damage to a third party’s property. |
| Malpractice or negligence A client alleges that you failed to follow their care plan correctly, resulting in their condition worsening. | Professional Liability Insurance can help cover legal defense costs, settlements or damages arising from claims of negligence, errors or omissions in the professional services you provide. |
| Loss of data in cyberattack A laptop containing client records is stolen, exposing sensitive personal information. | Cyber Breach Response Services coverage can help with the costs of responding to a data breach, including notifying affected individuals and certain breach response expenses, subject to the policy terms. |
| Employee injury A home health aide employed by your business strains their back while assisting a client with mobility. | Workers’ Compensation Insurance can help cover medical expenses, lost wages and other benefits for employees who suffer work-related injuries or illnesses, where required by state law. |
| Damaged office equipment A power surge damages your office computers and scheduling system, making it difficult to coordinate staff and client visits. | A Business Owner’s Policy (BOP) can help cover the cost to repair or replace business property damaged by a covered event, helping you get back to business sooner. |
Who needs Home Health Aide insurance?
Home health aide insurance is essential for anyone providing in-home care services including self-employed and part-time caregivers. If you assist with transfers, personal care, mobility, or in-home support you should consider getting a caregiver liability policy.
Independent home health aides
Contractors working for agencies
Self-employed or part-time aides
What types of insurance do home health aides need?
BizInsure offers Professional + General Liability Package made specifically for home health aides, whether work independently or you have employees.
Professional Liability insurance
Professional Liability (also known as Malpractice) protects home health aides and personal care providers against claims of negligence, errors, mistakes, or failure to provide adequate care. We offer coverage up to $1 million per occurrence and $3 million in the aggregate,
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How much does home health aide insurance cost?
Combined Professional Liability and General Liability packages for home health aides start at $42.31 per month or $513 per year.
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 match your needs
Choose Professional Liability and General Liability up to $1 million per occurrence and $3 million in the aggregate.
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 cover to match your needs
Choose Professional Liability and General Liability up to $1 million per occurrence and $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
Frequently asked questions
Per-occurrence and aggregate limits both refer to the maximum payout of an insurance policy, but in different settings.u003cbru003ePer-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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