Non-Medical Home Care Caregivers
- General Liability coverage from $28.89/mo
- Combined General Liability & Professional Liability policy from $45/mo
- Get instant coverage online in minutes
Coverage for Independent Caregivers and Providers
Caregivers and personal care providers work closely with patients and their families to manage disabilities, chronic illnesses, and ageing. These close interactions pose risk, no matter how careful you are. Accidents and unexpected events could still happen despite your skill and dedication.
Since 2012, BizInsure has helped non-medical home care professionals protect their finances, careers, and reputations with business insurance. Compare free quotes online in minutes for comprehensive, affordable coverage tailored to the unique needs of independent caregivers.
Who we cover
Whether you assist clients in private homes, long-term care facilities, or through a home health agency, we offer tailored insurance options that may suit your needs.
- 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 Coverage Benefits
BizInsure’s A-rated insurance carriers provide flexible, dependable coverage made for caregiver companions. Get customized coverage that works for you.
Also known as malpractice insurance, it helps protect your business, career, and reputation against professional negligence claims, including:
- Errors & omissions
- Mistakes
- Libel or slander
- Breach of contract
Coverage levels:
- Up to $1 million per occurrence
- Up to $3 million in the aggregate
Protects against claims made by a third party regarding:
- Bodily injury
- Property damage
Coverage levels:
- Up to $1 million per occurrence
- Up to $3 million in the aggregate
General Liability insurance for caregivers includes Products Liability and Completed Operations Liability coverage.
Products Liability helps protect against claims that products supplied by you caused a patient injury. Completed Operations Liability coverage helps protect your business if you are sued for damages resulting from completed work.
Sexual and Physical Misconduct coverage
Helps in-home caregivers manage allegations of sexual molestation and physical abuse.
Coverage levels:
- Up to $100,000 per occurrence
- Up to $300,000 in the aggregate
Cyber Breach Response Services coverage
Helps in-home caregivers and other medical 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
Home caregiver insurance requirements
Insurance requirements for caregivers varies from state to state. In some states, in-home caregivers and personal care providers may be required to have a Professional Liability or General Liability (or both) to get a home care license or work in the state. Always check your state laws or professional association about the insurance requirements in your area.
Even if you are not required to have coverage, business insurance offers peace of mind that if something does go wrong, any compensation awarded through a lawsuit will be paid.
How much does caregiver liability insurance cost?
Caregivers pay an average of $45 per month for combined General & Professional Liability coverage with BizInsure
BizInsure offers one of the most competitive rates in the industry. However, premiums can depend on specifics such as size of your business, location, coverage amount and services provided.
A quick way to know how much you’ll pay is to compare multiple quotes with our easy online application.
How do I get a tailored quote for by profession or business?
BizInsure makes it easy for non-medical home care providers to compare tailored quotes online and get covered in minutes.
Simply answer some questions about your business and receive free quotes from A-rated insurance providers. Choose coverage that fits your unique needs and buy online.
Frequently Asked Questions
Is malpractice insurance required by law for care providers?
Some types of non-medical home care providers may be required to carry insurance. Check your state or local laws to understand the insurance requirements for your profession.
Even if insurance is not legally mandated in your area, having coverage may still essential to protecting your livelihood from the cost of compensation claims, legal fees, and other unexpected bills.
Do private caregivers need insurance?
Private companion caregivers may need insurance in some instances. It may be required by state law to provide services. A policy helps protect your business, clients and patients if a claim is made against you by covering legal and compensation costs.
Can self-employed caregivers buy insurance?
Yes! Self-employed caregivers often buy home care insurance to provide peace of mind for themselves and their patients. If a claim is made against you, a policy could provide financial protection for your small business and help shield your assets.
What is caregiver malpractice insurance?
Caregiver malpractice insurance is another name for Professional Liability or E&O insurance. It covers common risks faced by companion/caregivers who provide in-home, non-medical care to others. A malpractice insurance policy helps protect your livelihood by covering claims and lawsuit costs.
Why do in-home caregivers need liability insurance?
Liability insurance can help in-home caregivers protect themselves, their finances, and the professional reputations.
Professional Liability insurance covers legal costs and settlements related to negligence claims, errors and omissions, mistakes, and other forms of professional wrongdoing. General Liability insurance covers legal fees and compensation related to third-party property damage and injury. Together, they can help protect caregivers while they are on the job.
Who needs caregiver liability insurance coverage?
Insurance for caregivers helps protect a wide range of professionals who provide in-home care services, such as personal care aides, independent caregivers, non-medical home care providers, home health aides, and more.
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.
* As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
