Insurance for In-Home 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 home care caregiver insurance cover?
Caregiver insurance helps cover legal claims and lawsuits caused by accidents, mistakes, negligence, client injuries, and property damage while providing in-home support care services. It can cover defense costs, settlements, compensation, and legal expenses.
Why do home caregivers and personal aides need insurance?
As a caregiver or personal aide, you provide essential care that allows patients to achieve happier and more productive lifestyle. However, assisting fragile, disabled, or sick individuals with daily activities creates real liability exposures. Insurance helps caregivers, personal aides, and companions cover claims that may occur no matter how careful you are.
| 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 companion caregiver insurance?
Whether you’re a self-employed caregiver or an expanding agency, our bespoke insurance package is built to protect your reputation and your revenue. We offer custom-tailored packages for:
Personal Care Aides (PCAs)
In-Home Care Service Providers
Personal Care Assistants
And other medical professionals
What types of insurance do in-home caregivers need?
BizInsure offers a combined Professional Liability and General Liability package tailored to suit the insurance needs of in-home caregivers, protecting against negligence and third-party claims.
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How much does home health care business 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
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