Liability Insurance for Caregivers
Specialist coverage for caregivers and in-home support workers
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Coverage starting from $28.89/month
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What does caregiver insurance cover?
Caregiver insurance can help protect in home caregivers from covered claims related to the services they provide. General Liability can help with covered third party claims involving bodily injury or property damage. Professional Liability can help with covered claims alleging errors, negligence or other issues with professional services. Depending on the policy, coverage may help with legal defense costs, settlements or judgments, subject to the policy terms and limits.
Why do caregivers and personal aides need insurance?
In-home caregivers work closely with clients and may face liability claims while providing personal care, daily living support and other in-home services. General Liability can address covered third-party claims involving bodily injury or property damage, while Professional Liability can address covered claims related to allegations of errors or negligence in professional services. The right coverage can help protect a caregiver’s business from the financial impact of covered claims.
| Risk scenarios | Coverage benefits |
|---|---|
| Negligence claims A patient or their family alleges that a mistake, omission or delay in the care you provided caused their condition to worsen or resulted in further injury. | Professional liability insurances cover legal defence costs, settlements or judgments arising from claims of negligence, errors or omissions in the professional services you provide. |
| Accidental patient injury While helping a patient move, they lose their balance and fall, resulting in an injury and a claim that appropriate care was not provided. | Professional liability insurance helps protect your business against claims arising from patient injuries that are alleged to have resulted from your professional care or services. |
| Third-party injury While providing care in a patient’s home, you accidentally damage their property, or someone is injured after tripping over your equipment. | General Liability insurance helps cover legal costs, compensation, and repair or replacement expenses if your business is held responsible for third-party injury or property damage. |
| Sexual abuse or harassment claims A patient or their family alleges that you or one of your employees behaved abusively, inappropriately or harassed them while providing care. | Abuse and harassment insurance covers legal defence costs and other covered expenses associated with allegations of abuse or harassment involving you or your employees. |
| Data breach A cyberattack or security incident compromises your systems or email account, exposing sensitive patient or business information. | Cyber Liability insurance covers certain costs associated with responding to a data breach or cyber incident, such as notifying affected individuals, engaging forensic specialists, restoring systems, and managing covered legal or regulatory expenses. |
Who needs caregiver insurance?
Caregiver insurance can be relevant for self-employed caregivers, independent caregivers and caregiver businesses or agencies that provide in-home care services. Coverage needs can vary based on the services provided, business structure and client setting. BizInsure offers a combined Professional Liability and General Liability package for eligible caregivers, subject to policy terms and exclusions.
Caregivers may provide different types of personal and in-home support depending on their clients’ needs. This can include:
In-home caregivers who provide personal care and daily living support in a client’s home.
Independent caregivers who provide caregiving services directly to clients as self-employed professionals.
Private caregivers who provide one-on-one care and support for individual clients.
Respite caregivers who provide temporary care and support while a client’s regular caregiver takes a break.
Senior and elderly caregivers who assist older adults with daily activities and personal care.
Disability caregivers who provide daily living and personal support for people with disabilities.
What types of insurance do caregivers need?
In-home caregivers may need General Liability and Professional Liability coverage. General Liability can help cover eligible third-party claims involving bodily injury or property damage. Professional Liability can help cover eligible claims alleging errors, negligence or other issues arising from professional services. BizInsure offers a combined Professional Liability and General Liability package for eligible in-home caregivers, subject to policy terms and exclusions.
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How much does caregiver insurance cost?
General liability insurance for companion caregiver costs from $28.86 per month and Combined General & Professional Liability insurance for caregivers costs $42.31/mo*.
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
BizInsure offers high-limit coverage levels tailored to private caregivers 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
*BizInsure’s Customer Average Monthly Payment Report is based on 1 July 2024 to 30 June 2025 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get flexible coverage to match your needs
BizInsure offers high-limit coverage levels tailored to private caregivers 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
Caregiver liability insurance can help protect eligible caregivers from covered claims related to their business and services. It may include General Liability and Professional Liability coverage, depending on the policy.
General Liability may help cover eligible third-party claims involving bodily injury or property damage connected with the caregiver’s business. Coverage depends on the policy terms and exclusions.
Professional Liability can help protect eligible caregivers from covered claims alleging errors, negligence or other issues related to professional services. Coverage depends on the policy terms and exclusions.
General Liability generally addresses covered third-party bodily injury and property damage claims. Professional Liability generally addresses covered claims related to errors, negligence or other issues arising from professional services.
The cost of caregiver insurance varies based on factors such as the services provided, business details, coverage limits and other underwriting information. A quote can provide a price based on the individual business.
Yes, eligible self-employed caregivers may be able to obtain caregiver liability coverage. The available coverage depends on the services provided and the insurer’s eligibility requirements.
Eligible independent caregivers may be able to obtain coverage. The policy should match the services and business activities performed, and coverage is subject to the policy terms and exclusions.
Coverage depends on the services provided and the insurer’s eligibility requirements. Companion services should be described accurately when applying so the appropriate coverage can be considered.
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