Insurance for In Home Caregivers
- Professional Liability and General Liability insurance for in-home caregivers
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What is Caregiver Insurance?
For caregivers and personal care providers, there are two primary types of insurance protection available: Professional Liability insurance and General Liability insurance.
These two coverages protect you from different types of claims that you may face in your occupation. The two go hand in hand, which is why you should consider having both types of insurance to fully protect yourself and your clients.
Insurance for Caregivers and Personal Care Providers
Caregivers and personal care providers give essential care to thousands of Americans. By monitoring medical conditions and assisting with daily living activities, caregivers help those with disabilities or chronic illnesses and the elderly enjoy a better quality of life.
You no doubt work with great care and purpose in your role as caregiver. But no matter how careful you are, accidents happen. For caregivers this may be especially true, as you are often working with individuals who are fragile or impaired.
A simple mistake could lead to an expensive lawsuit. If that happens, who will take care of you?
Caregiver insurance can help bring you greater peace of mind as you care for others, by providing protections to help shield you against common liability claims you may face while on the job.
Professional Liability Insurance for Caregivers
A Professional Liability insurance policy (also known as Errors and Omissions or E&O insurance) is an essential policy that protects you and your company in case of a lawsuit due to alleged professional wrongdoing.
For caregivers, this includes coverage for:
- Breach of contract
As well as other types of liability claims that you could face, such as undelivered services or missed deadlines.
You could be found liable for their injuries because the bed was brought into the home and set up on your professional recommendation.
Professional Liability insurance will pay the legal expense of a related liability claim, including settlements and judgements, so you are not left to pay them from your own accounts.
General Liability Insurance for Caregivers
A General Liability policy can protect you against any claim by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.
Caregivers often find this type of coverage useful as they are frequently:
- Interacting with patients and other third parties (such as family members, doctors, or anyone else who may visit a patient’s home or are a part of their daily care)
- Visiting patients in their homes
- Transporting patients to and from other locations (such as a doctor or specialists office, the pharmacy, or on errands)
- Providing physical assistance to their patients
For example, you are helping a patient get out of the shower when they slip and fall. You could be found liable for any injuries they sustain as they were under your care at the time.
General Liability insurance covers legal fees and compensation for relevant claims, safeguarding your business and personal finances.
Miscellaneous Medical Liability Package for Caregivers
BizInsure offers a Miscellaneous Medical Liability insurance package for caregivers. The package includes Professional Liability and General Liability insurance, plus Cyber Liability insurance. It provides good coverage to help protect caregivers against the most common types of claims they face, at a great price.
Why should caregivers consider business insurance?
Caregivers may need certain types of coverage to help protect them against expensive lawsuits and damage to their professional reputation.
Due to the nature of their work, caregivers face a variety of on-the-job risks. You provide day-to-day care to vulnerable people, who rely on your knowledge and training to help them live safely in their own homes.
While you may have the best of intentions, the advice or care you provide could cause further injury or illness to those you are looking after. A client or their family could decide to sue, bringing a potentially damaging lawsuit against you.
Professional Liability insurance and General Liability insurance can help protect you by covering legal expenses and any compensation you are required to pay to a client. Otherwise, these costs would be paid out of your own savings, which could be financially devastating.
Are caregivers required to have business insurance?
The types of insurance coverage you are required to have as a caregiver varies from state to state. Some states may require in-home caregivers and personal care providers to have a Professional Liability or General Liability (or both) in order to become licensed and work in the state.
Always check with your state government or professional association about the insurance requirements in your area. In addition to requiring certain forms of coverage, there may also be minimum insurance limits that you must also meet.
Even if you are not required to have business insurance as a caregiver, your patients may still expect you to have it. Patients and their families might feel more comfortable hiring a caregiver who is insured, and they may include this requirement in a business contract or agreement. This can provide them with peace of mind that if something does go wrong, any compensation they are awarded through a lawsuit will be paid.
How much does insurance for caregivers cost?
The cost of Professional Liability insurance and General Liability insurance varies from caregiver to caregiver. Every small business is unique, so what you pay for a policy may differ from other caregivers, personal care providers or healthcare professionals.
Insurance premiums for caregivers are based on several factors, which may include:
- The size of your business
- Where your business is located
- The amount of coverage you need or want
- Your yearly business income
Why caregivers should choose BizInsure for their insurance needs
BizInsure is committed to small business owners, including caregivers and personal care providers. No policy is too small for us, as we strive to make insurance easy and affordable for all small businesses.
Our platform provides unparalleled access to affordable and reliable insurance solutions by making the entire process simpler and more transparent. Small business owners can quickly get multiple insurance quotes for multiple products with a single data entry, then purchase a policy online and in minutes. No complicated paperwork required!
We may be online, but that doesn’t mean you’ll be left on your own. Our licensed agents are here to help you at every step of the way—from getting quotes to renewing a policy. No question is too hard or request too small!
Contact us today to find insurance designed for caregivers.
*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.
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