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.

Did you know?

The job outlook for caregivers, personal care providers and home health aides is positive. U.S. Bureau of Labor statistics project that these occupations will grow by 34% between 2019 and 2029, much faster than the 4% average for all occupations!

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:

  • Errors
  • Omissions
  • Mistakes
  • Negligence
  • 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.

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*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.

MOVING FORWARD, I WILL BE SENDING ALL OF MY BUSINESS TO THIS COMPANY !!!! Incredible customer service!!! Thanks
THEODORE WELLS
THEODORE WELLS
19:49 09 Sep 21
Daniel Patrick Sullivan
Daniel Patrick Sullivan
16:49 07 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
Dissent Doe
Dissent Doe
22:21 02 Sep 21
Sheree Williams
Sheree Williams
19:39 27 Jul 21
Eugene was Awesome!!!!
Lakesha G
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
Lane
Lane
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Jugrid Ombisi
Jugrid Ombisi
16:26 15 Jun 21
Done in less than an hour!
William Opperman
William Opperman
00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
Brenda Jones
Brenda Jones
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I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
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Arik Solberg
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Adj Ako
Adj Ako
16:47 05 May 21
Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
Elba Perez
Elba Perez
18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
Casper Martinez
Casper Martinez
19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic Films
Poetic Films
21:00 07 Apr 21
Sandra Darjean-Murphy
Sandra Darjean-Murphy
17:48 31 Mar 21
Jusephine Ghong
Jusephine Ghong
17:58 23 Mar 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
Franklin Behm
Franklin Behm
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V Lapierre
Cassiopée V Lapierre
23:13 09 Mar 21
S & S Professional care llc Home Health Agengy
S & S Professional care llc Home Health Agengy
04:15 24 Feb 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie Woodruff
Stephanie Woodruff
17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined Perez
Esined Perez
23:32 17 Feb 21
DIVINE FIJIANS HOME CARE SERVICES
DIVINE FIJIANS HOME CARE SERVICES
22:49 05 Jan 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
Joe Wajdula
Joe Wajdula
03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
Lisa Word
Lisa Word
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda hale
rhonda hale
23:26 12 Nov 20
Owner (LPN)
Owner (LPN)
23:19 06 Nov 20
Cincere Browdy
Cincere Browdy
15:16 29 Oct 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
Fran Sutton
Fran Sutton
16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
Aileen Day
Aileen Day
19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
Michele Harris
Michele Harris
01:52 12 Sep 20
Jose Quintero took such great care of me and was very patient explained everything I did not understand and got me set up quickly. Fabulous customer service
Christina Rose
Christina Rose
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
Nancy Sloan
Nancy Sloan
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
hope jones
hope jones
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
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Pamela Curry
16:45 24 Aug 20
Cameron Peek
Cameron Peek
19:25 24 Jul 20
Great and fast service!!!! The representative was very professional!!!!
Tanya Sweet
Tanya Sweet
19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
Jimmy Smith
Jimmy Smith
19:01 14 Jul 20
Great service, but they're also extremely patient. I called over a month ago for specialized E & O coverage, and Bizinsure was able to put me in touch with an extremely reasonable quote. Absolutely invaluable time and monetary savings to be had by going through these folks. If you can-- ask for Anthony. Absolute gem of a human.
James Lang
James Lang
18:19 02 Jul 20
Ken M
Ken M
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Great service insurance prices are great for professionals looking to get insurance for businesses....
Rhonda Gray
Rhonda Gray
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The provided very professional service and made the process easy.
Paul Rising
Paul Rising
21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
Kristene Smith
Kristene Smith
02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre Hall
Fre Hall
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
Dawn Torres-Gale
Dawn Torres-Gale
22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
Nekeisha B.
Nekeisha B.
01:30 05 May 20
Amazing
Jasmine Q
Jasmine Q
14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. Atallah
Dr. Youssef C. Atallah
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
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Josh Mariscal
18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
Allison Young
Allison Young
17:28 21 Jun 18
Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
Mark Wallace
Mark Wallace
23:42 13 Nov 17
Daniel Scott
Daniel Scott
15:15 27 Jun 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham Blair
Graham Blair
22:12 23 Jun 17

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