Insurance for In-Home Caregivers

  • General Liability insurance from $28.89/mo
  • Combined General Liability & Professional Liability policy from $45/mo
  • Buy online and instantly receive coverage confirmation

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What is caregiver insurance?

Caregiver insurance are the tailored coverage options designed to protect in-home caregivers and healthcare professionals against the financial costs of everyday risks, like patient injury and claims of negligence.

Caregivers and personal care providers offer essential care to thousands of Americans with disabilities or chronic illnesses and those who are elderly. They often work with individuals who are fragile or need continuous care. No matter how careful you are, the unexpected could still happen despite your skill and dedication.

BizInsure offers specialty insurance coverage for in-home caregivers, providing essential protection against common liability claims you may face as you care for others.

Who we cover

We offer combined General, Professional & Cyber Liability policies for caregiver and healthcare professionals to match your unique risks.

  • 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 More

Caregiver Liability Insurance Coverage Options

Also known as Errors and Omissions, E&O or malpractice insurance, Professional Liability coverage can be essential to protecting your business, career, and reputation. It protects caregivers in case of a lawsuit due to alleged professional wrongdoing, including coverage for:

  • Errors
  • Omissions
  • Mistakes
  • Negligence / Malpractice claims
  • Breach of contract

Protects against claims by an outside party regarding injury or damage to their property by covering your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.

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?

BizInsure offers one of the most competitive rates in the industry. However, premiums can depend on specifics such as size of your business, location, cover amount and services provided.

A quick way to know how much you’ll pay is to compare multiple quotes with our easy online application.

Frequently Asked Questions

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.


* 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.
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