The demand for home care in the U.S. is growing at a rapid pace. With an aging population and more people wanting to remain in their own homes rather than move into long-term care, agencies and independent providers are busier than ever.
Out of all the services offered, one stands out as the most widely requested: personal care.
This blog takes a closer look at why personal care services are the most common form of home care, and the role they play in supporting clients at home.
Personal care services: The most common home care service
The most common type of home care service in the U.S. is Personal Care Services (PCS). These are non-medical supports designed to help individuals with their daily routines so they can live safely and comfortably at home.
Unlike skilled nursing or therapy, PCS focus on everyday needs—things like bathing, dressing, eating, or moving around the house. For many people, this type of care makes the difference between staying independent at home or moving into a facility. Families value personal care services because it provides both practical help and peace of mind that their loved one has consistent support.
What are personal care services?
Personal Care Services (PCS) cover the everyday tasks that many of us take for granted but can become difficult with age, illness, or disability. These services are focused on Activities of Daily Living (ADLs)—basic routines such as bathing, dressing, grooming, toileting, and getting around safely.
Many agencies may also include Instrumental Activities of Daily Living (IADLs). These are slightly less hands-on tasks like preparing meals, light housekeeping, and running errands that help keep a household running smoothly.
In many states, caregivers providing PCS can also offer medication reminders, though administering medications is usually limited to licensed professionals such as nurses.
The broader goal of personal care services is to give people the help they need to stay safe, independent, and comfortable at home. For many, it’s the type of care that makes independent living possible.
Why personal care leads the industry
When people think of home care, personal care services often come to mind. And the industry numbers explain why. Today, around 17% of Americans are aged 65 or older. That group is growing quickly, and with age comes a higher need for daily support at home.
The Department of Health and Human Services estimates that nearly 70% of adults 65 and older will require some form of long-term care during their lifetime. For many, that support begins with personal care services—help with bathing, dressing, meals, and mobility.
The industry outlook is equally strong. Projections show the home care sector will surpass $192 billion in revenue in 2025 and grow further to $246.6 billion by 2030. Yet, while demand soars, agencies face challenges keeping up. Almost 60% of agencies report caregiver staffing shortages, a reminder of how competitive and resource-sensitive this market has become.
These numbers show why personal care dominates the home care industry. Families want support that allows their loved ones to remain independent, and agencies are racing to keep up with demand.
Why business insurance matters for personal care providers
Personal care providers may often find themselves in situations where risks are high. Helping someone with bathing, dressing, or mobility can lead to accidents like slips or falls. Families may file claims if they believe care wasn’t delivered properly, and employees can get injured while assisting clients with daily activities. Even a small incident has the potential to become a costly claim.
Business insurance helps reduce these risks. Policies such as General Liability, Professional Liability, and Workers’ Compensation can provide protection for both agencies and independent providers. Beyond helping to manage claims, carrying insurance reassures families that you take your responsibilities seriously and operate professionally.
Without insurance, a single claim could disrupt or even shut down a small care business. Having the right policies in place gives you peace of mind so you can focus on supporting your clients with safety, independence, and dignity.
BizInsure makes protecting your care business easy
Personal care providers already have their hands full with client needs, scheduling, and staffing. The last thing you need is to spend hours buried in paperwork or waiting on hold for quotes.
BizInsure takes the hassle out of getting insured. Our online platform lets you compare quotes from top U.S. insurers, customize your coverage, and secure protection in minutes. It’s quick, affordable, and designed for busy care professionals.
You’ve worked hard to grow your care business. Don’t leave it vulnerable. Visit BizInsure today to compare quotes and see how much you can save.
