Insurance for In-Home Caregivers
- General Liability insurance from $28.89/mo
- Combined General Liability & Professional Liability insurance from $45/mo
- Buy online and instantly receive coverage confirmation
What is caregiver insurance?
Caregiver insurance are 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 specialized 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
- And More
Caregiver Insurance Cover Options
General & Professional Liability policies can protect you by covering legal fees and compensation costs you are liable to pay to a client.
Also known as Errors and Omissions or E&O insurance, this may be an essential policy that protects you and your company in case of a lawsuit due to alleged professional wrongdoing, including coverage for:
- Errors
- Omissions
- Mistakes
- Negligence
- 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.
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 become licensed or work in the state. Always check with your state government 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 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.
* 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.
