Insurance for Home Care Caregivers
- Specialist cover for individuals and groups
- Instant quote and immediate coverage
- Monthly coverage starts from $28.89
Comprehensive Caregiver / Companion Liability Insurance
As a caregiver or personal aide, you provide essential care helping clients achieve happier and productive lifestyle. However, assisting fragile, disabled or sick individuals with daily activities creates real liability exposures. Accidents and unexpected mistakes could happen when providing the best possible care.
Malpractice Insurance for caregivers / companions protects against costly legal claims and lawsuits as a result of negligence, client injuries and property damage. It covers defense costs, settlements or compensation or legal expenses.
Our caregiver liability insurance covers:
- Legal defense costs, including settlements or court expenses.
- Accidental injury to any person in your care, such as a fall during mobility assistance.
- Negligence, such as giving incorrect assistance or missing important care instructions.
- Property damage, to a client’s home or belongings.
- Abuse Allegations: including claims of physical or sexual misconduct, even if the allegations are unproven.
- Needlestick coverage, for Registered Nurses administering services they are licensed to perform in their state.
- Includes medication administration, covers if it is a Registered Nurse performing services they’re licensed to in their state
- Hired & Non-Owned Auto
- Regulatory proceedings
- Medical Billing E&O
- Vicarious liability
- Loss of personal information
- First aid coverage
BizInsure offers you custom-built professional and general liability insurance for you as caregiver / companion to protect your livelihood, career, and reputation.
Why do home caregivers need liability insurance?
Liability insurance is crucial for companion caregivers as it provides protection against claims of harm or negligence, helping meet licensing or contract requirements. With this type of personal liability protection and reassurance, you can provide your clients with the quality service knowing you are protected.
Some states require caregivers and personal care providers to have Professional Liability or General Liability insurance (or both) to get a home care license.
Who we cover
Whether you assist clients in private homes, long-term care facilities, or through a home health agency, we offer tailored insurance to a wide range of home care providers, including:
- Personal Care Aides (PCAs)
- Home Health Aides (HCAs)
- In-Home Care Service Providers
- Nursing Assistants and CNAs
- Registered Nurses (RNs)
- Physical Therapists
- Occupational Therapists
- Nurse Practitioners
- And other medical professionals
Malpractice Liability Insurance for Caregivers
Our flexible, custom-tailored insurance offers dependable coverage for caregiver companions. You can mix-and-match to create an insurance package with covers that you need most.
Professional liability, known as malpractice insurance for caregivers, protects against claims relating to your work including negligence, libel or slander even if you haven’t made a mistake.
Highlights
- Negligence or misconduct in daily care responsibilities
- Breach of duty, such as failure to deliver services promised
Coverage levels:
- Up to $1 million per occurrence
- Up to $3 million in the aggregate
General liability insurance protects caregivers against claims of client injuries, property damage, associated medical costs, and advertising injury. For example, a client slipping and injuring themselves while in your care.
Our General Liability insurance for caregivers includes Products Liability and Completed Operations Liability coverage.
Coverage levels:
- Up to $1 million per occurrence
- Up to $3 million in the aggregate
Sexual and Physical Misconduct coverage
Abuse and molestation coverage protects caregivers and home care providers against allegations of sexual molestation and physical abuse by clients and employees.
Coverage levels:
- Up to $100,000 per occurrence
- Up to $300,000 in the aggregate
Cyber Breach Response Services coverage
Cyber breach response insurance helps caregivers and healthcare professionals notify clients if their information is accessed in a data breach.
Coverage levels:
- Up to 25,000 notified individuals in the aggregate
- Up to $100,000 in the aggregate
How much does caregiver liability insurance cost?
On average combined General & Professional Liability insurance for caregivers costs $45/mo. Premiums can depend on specifics such as size of your business, location, coverage amount and services provided.
The best way to know how much you’ll pay is to compare multiple quotes with our easy online application. BizInsure offers caregiver insurance at competitive rates in the industry.
Is malpractice insurance required by law for care providers?
Some types of non-medical home care providers may be required to have insurance. Check your state or local laws to understand the insurance requirements for your profession.
Even if not legally mandated, having an insurance policy helps protect your career and livelihood from unexpected costs.
Do self-employed caregivers need insurance?
Self-employed caregivers can buy home care insurance to provide peace of mind for themselves and their patients.
Am I covered if I work in multiple homes?
Yes, a Professional & General Liability Package can be customized to individuals who provide care in multiple settings, including homes and aged care facilities.
© Copyright 2023 BizInsure LLC, 2015 ALL RIGHTS RESERVED BizInsure LLC; CA DBA: Simple, Smart, BizInsure Insurance Agency LLC; NY DBA: BizInsure Services LLC; NH DBA: Simple, Smart, BizInsure Insurance Agency; PA DBA: BizInsure Services LLC. 2950 Buskirk Ave Suite 300, Walnut Creek CA 94597. License #0H81929