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Home health care insurance

Protection is the best cure. Cover your work, your bank balance and your reputation with caregiver insurance.

Quote online and buy in minutes


Affordable insurance

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Home health care insurance

Protection is the best cure. Cover your work, your bank balance and your reputation with caregiver insurance.

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Insurance for caregivers & home health aides

Whether your patient is sick, disabled, elderly – or all three – you take care of them. But when you’re working with fragile people, easily hurt, things can go wrong.

Accidents can happen, mistakes get made. Confusion and disorientation can lead to accusations. Before you know it you’re facing a legal claim.

And when that happens, who takes care of you?

Home health care insurance is your band-aid. It protects you from the cost of a legal claim. Even if it’s groundless.

Essential coverage for home health care providers

General liability insurance

From $30 a month

Takes care of medical expenses, your legal defense and compensation, too, if you're liable. Even if a claim is groundless.

Professional liability (errors & omissions) insurance

From $22.50 a month

If a client claims you've made a mistake and it's cost them, professional liability insurance can cover your legal costs and damages, if you're liable.

Buy general liability or professional liability insurance separately. Or, if you need both, buy them as a package. Fill out a short form and we’ll get back to you with our best quote in one working day.

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  • Why do caregivers need general liability insurance?

    Because you spend your day visiting with clients, caring for them in their homes. And if a customer trips and hurts themselves, or you damage their property, they can sue you.

    Now, without the right insurance you’ll have to pay for the costs associated with a legal claim, which can be pretty painful.

    But if you have a general liability policy -- even if there are no grounds for the claim -- it can take care of these for you.

    Including medical bills, the cost of repairing or replacing damaged items, plus your legal fees if the case goes to court. And if you’re found at fault, it can pay compensation too.

  • What does general liability insurance for caregivers cover?

    So long as the claim’s filed in the United States, its territories, or Canada, general liability insurance covers claims for:

    • Third party bodily injury – a slip, trip, or fall can cost thousands in medical bills, even for injuries that seem to be minor.
    • Third party property damage – repairs, replacement, the costs can be huge. Your policy covers damage caused by you, and your full-time, or temporary, staff.
    • Personal injury – He said. She said. Whether anyone said anything at all, claims of slander or libel can seriously damage your reputation. And the defense costs can seriously dent your bank balance.
    • Advertising injury – whether it was your idea, or theirs, arguing it out in court will be expensive.

    When a claim’s filed against your business, there are often hidden costs involved. Your general liability policy takes care of these, too. Including up to $250 a day for loss of earnings.

    Claims take their toll. On your time, as well as your money. Having the right insurance means your home health care business is protected. Leaving you to get on with running it.

  • How much does general liability insurance cost for a caregiver?

    Our general liability insurance start at around $30 a month. But the cost of your insurance will be affected by things like your business’s size, its location, and the coverage limits you select.

    Whatever the cost, there’s a package to suit your particular needs. And payment options, too, so you can spread the cost to fit your budget.

    But as for what level of cover you want, you'll need to decide what's best for you.

    It's always best to over-estimate. Lawyers' fees, compensation and court costs can go through the roof. So, imagine the worst-case scenario. Then pick a figure you can realistically afford.

  • Why do home caregivers need professional liability insurance?

    Take two pills and call me in the morning. Or was it three? See that’s the thing. When home health aides make a simple mistake, the results can be catastrophic.

    Forget to remind someone to take their meds, miss a checklist item or delay an in-home visit and it’s not just the patient that could be harmed. A negligence claim can threaten your reputation and put your livelihood on your line.

    To make things worse, as a professional, you can be sued even if the claim is groundless.

    Defending yourself from a claim you made a mistake– even if you didn’t – can be costly. The stress can be enough to make you physically ill.

    Luckily there’s a simple remedy. A professional liability insurance policy drawn up before a minor mistake becomes a major headache.

    Also known as errors and omissions insurance – E&O for short – it’s a warm blanket of protection when you need it most.

  • What does professional liability insurance for caregivers cover?

    • Errors and omissions – whether you made a mistake, or not
    • Claims made against you – and compensation, if you’re liable
    • Claims made against you for past work
    • Worldwide claims (as long as they’re filed in the United States, a U.S. territory or Canada)
    • Legal costs – you’ll even get a lawyer to defend you, if you need one
  • How much does professional liability for caregivers cost?

    Our professional liability policies for home health aides start at $22.50 a month. But the cost varies from business to business. It depends on:

    • The size of your business
    • Where your business is based
    • Your annual business income
    • The amount of coverage you need
    • The deductible you choose.

    Typically, the higher your coverage limit (the amount your policy provider will pay for a single claim or all claims during the policy period) the more your insurance will cost. So choose your limit carefully.

    Think worst-case scenario (and remember lawyers’ costs can go through the roof). Just be sure to pick a figure you can sensibly afford.

    The higher your deductible (the amount you pay towards the cost of a claim) the lower your policy price will be. But do make sure you could actually afford to pay that amount if there’s a claim.

What other kinds of insurance do home health carers need?

Business personal property insurance (BPP)

If you take equipment like laptops and mobiles to meetings, this policy is worth having. It also covers the portable stuff in your office - from your furniture to your potted plants.

More info

Cyber liability insurance

If you use email, own a website, or store client data, cyber insurance is a must. It can’t stop a cyber-attack, but it can pay your recovery costs so your business survives from one.

More info

Workers' compensation insurance

Most states require you to have this policy even if you only have one employee. It’s good to have anyway. It protects your business from the cost of workplace illness and injury claims which can be crippling.

More info

Because we understand every home health care business is different, we'll build an insurance package to suit your needs. In minutes.

To build the right insurance package for you call one of our licensed advisors today on 978.344.4215.

Prefer to talk?

For advice, a quote or just a quick question, feel free to call me.

I'm Kim - I'm here to help you.

My direct line is: 978 344 4288.

Call me or request a call and I'll call you back.


Kim Silkes
Account Executive

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