Insurance for Home Care Aides and Agencies in California
Tailored for caregivers, home health aides and agencies
Coverage for negligence, care mistakes, injury, property damage claims
Coverage up to to $1 million / up to $3 million
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What does Home Health Care Liability Insurance cover in California?
Home Health Care Liability Insurance protects California home care agencies and professionals like caregivers, hospice care and nurses. It helps cover liability claims arising from your care services. Coverage can include claims involving:
- Professional negligence while providing care or support services
- Third-party bodily injury or accidental property damage
- Legal defence costs for covered liability claims
- Alleged errors, omissions, or failure to provide appropriate care
- Incidents occurring while delivering home health or personal care services
Whether you’re operating in Los Angeles, San Diego, San Jose, San Francisco, Oakland or anywhere across California, BizInsure offers industry-specific insurance solutions from leading insurers in one place.
Why do California home health care providers need insurance?
Home care professionals provide essential support to clients in homes, community settings, and care facilities across California. As a home care provider, your work comes with unique responsibilities. Every client interaction carries potential risks, from accidental injuries to allegations of professional negligence. While delivering compassionate care, even routine tasks can expose you to unexpected liability risks.
Common situations that may lead to a claim include:
- A client slips or falls during a home visit
- Accidental damage to a client’s property
- Allegations of professional negligence
- Misunderstandings about the care or services provided
- Legal costs associated with defending a liability claim
Without appropriate insurance, these incidents could result in significant legal expenses and financial loss. Our Home Health Care Liability Insurance helps protect your business, reputation, and livelihood, so that you can continue providing care services for your clients with greater confidence
Who needs home health care liability insurance in California?
BizInsure understands the insurance needs of California’s home care industry and offers access to customized coverage tailored to different care providers and businesses, including.
Hospice Carers
Personal Care Assistants
Skilled Nursing Care (RNs and CNAs)
Companion Care Providers
Unskilled / ADL Providers
Occupational Therapists
Respite Care Providers
What types of insurance do home care providers need in California?
BizInsure offers Professional + General Liability Package made specifically for home care businesses in California and across USA.
General Liability insurance
General Liability insurance helps protect home care providers in California against third-party claims involving bodily injury, property damage. It can cover legal defense fees, compensation costs and medical expenses arising from your care services in clients’ homes or care facilities. We offer coverage upto to $1 million per occurrence / up to $3 million in the aggregate.
Professional Liability insurance
Professional Liability insurance (also known as Medical Malpractice insurance) is designed cover claims alleging negligence, errors, omissions, or failure to provide professional home care or healthcare services. It can also cover claims for defamation, libel, slander and privacy breaches. We offer coverage up to to $1 million per occurrence / up to $3 million in the aggregate.
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?
- Bundled Miscellaneous Medical Liability coverage for home care provides in California typically costs from $500 to $1,500 per year.
- General Liability and Professional Liability coverage for independent home health aides often pay $25 to $60 per month.
- Small home health care agencies usually pay $75 to $150 per month, depending on staff size and services offered.
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
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
Businesses offering non-medical home care services, such as personal care, companionship, and assistance with daily living, generally need to be licensed as a Home Care Organization (HCO) through the California Department of Social Services (CDSS). Licensing requirements typically include maintaining liability insurance, obtaining an employee dishonesty bond, registering Home Care Aides, and meeting background check requirements
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