General liability insurance for home health and personal care aides

Care for your caregivers

Caring for others is a daunting task, especially when it's just you and your patient. Whether you're working with someone who is sick, disabled, elderly - or all three - situations may arise that require liability protection.

Home health aides often work with fragile people who are easily hurt. Confusion and disorientation may lead to accusations, and suddenly a lawsuit is brought against you and your employer.

A general liability policy can prevent financial woes that otherwise could bankrupt a small business. Even the most experienced professionals in home healthcare are not immune to situations involving bodily injury and property damage.

A business employing multiple home health aides magnifies this risk. General liability Insurance allows them to thrive as caregivers in a stress-free environment that diminishes the complications that may arise during an in-home visit.

What our customers say about us

General liability insurance made easy

  • Buy online or over the phone - saving you time.
  • From as little as $500 – saving you money.
  • Customized to your profession – coverage as unique as your business.
  • Helpful advisors – advice you need when you need it.
  • High quality Hiscox coverage – rock-solid security and world-class reputation.
  • Four-payment option – your budget, your way.
  • Free additional insureds – show you're professional and reliable.

What is general liability insurance?

  • It's protection for your business against the cost of any claims made by a client for bodily injury, property damage or personal injury.
  • It's what you need if you often visit clients' place of work or home.
  • You'll also need it if you work from home and have client's over, or if you use third party locations for business activities.

What am I covered for?

  • Bodily injury - you take a call while visiting a clients' home. Upon returning you find the client has tripped over your bag, fracturing their hip.
  • Property damage - you spill a full cup of coffee on a clients' carpet, permanently staining it. We'll pay for any claims up to your liability limit.
  • Personal injury - an employee makes some not-so-nice comments about a long-standing client. The client later finds out and sues for slander.

Loss or damage to your own property or property in your care, custody and control is not covered by this policy.

For a full summary of what you're covered for, click here

I'm Maureen - I'm here to help you

Prefer to speak?

Our advisor can help

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

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

My direct line is: 978 344 4223.
Call me or request a call and I'll call you back.