General Liability Insurance
Protects your home care agency from third-party claims of bodily injury, property damage, and personal injury. Essential coverage for any home care business operating in client homes.
- Bodily injury coverage
- Property damage protection
- Medical payments
- Personal and advertising injury
Common claims include: client falls while caregiver is present, accidental damage to client property, allegations of slander or libel, and injuries to visitors at client homes.
Professional Liability Insurance
Also called errors and omissions (E&O) insurance, this protects your agency from claims of negligence, mistakes, or failure to provide adequate care. Critical for home health agencies and skilled nursing providers.
- Malpractice claims defense
- Negligence allegations
- Care coordination errors
- Documentation issues
Typical claims involve medication errors, missed or delayed care visits, improper care techniques, failure to report changes in client condition, and allegations of inadequate staff training.
Workers Compensation Insurance
Legally required in most states for home care agencies with employees. Covers medical expenses and lost wages if your caregivers are injured on the job, whether at your office or in a client’s home.
- Medical expenses
- Lost wages and disability
- Rehabilitation costs
- State-mandated coverage
Common injuries include back strains from lifting clients, slip and fall accidents in client homes, car accidents while traveling between clients, repetitive stress injuries, and exposure to infectious diseases.
Check your individual state’s workers comp requirements via the Department of Labor.
Commercial Auto Insurance
If your caregivers use vehicles to travel between client homes or transport clients, commercial auto insurance protects against accidents, injuries, and vehicle damage during business operations.
- Liability coverage
- Physical damage
- Medical payments
- Hired and non-owned auto
Claims include at-fault accidents while transporting clients, vehicle damage from collisions, injuries to caregivers or clients in agency vehicles, and accidents caused by employee drivers during work hours.
Umbrella Liability Insurance
Provides additional liability coverage beyond your general liability and professional liability limits. Protects your agency from catastrophic claims that could exceed your primary policy limits.
- Excess liability coverage
- Broader protection scope
- Defense cost coverage
- Multi-million dollar limits
Umbrella coverage responds when claims exceed primary policy limits, such as severe injury claims with large medical bills, multi-plaintiff lawsuits, or situations involving permanent disability or death.
Cyber Liability Insurance
Protects your home care agency from data breaches, ransomware attacks, and HIPAA violations. Essential coverage as agencies increasingly store sensitive client health information digitally.
- Data breach response
- Regulatory defense (HIPAA)
- Notification costs
- Credit monitoring services
Claims include ransomware attacks locking agency systems, stolen laptops with client data, employee email phishing resulting in data breaches, and HIPAA violations from improper data handling or disposal.
Sexual Abuse & Molestation Coverage
Protects your home care agency against claims of sexual abuse, molestation, or inappropriate conduct by caregivers. Critical coverage for agencies providing in-home care where caregivers work alone with vulnerable clients.
- Abuse and molestation claims
- Legal defense costs
- Investigation expenses
- Settlement and judgments
This coverage addresses allegations of inappropriate touching, sexual assault claims, boundary violations, and other forms of abuse. Even false accusations require expensive legal defense, making this coverage essential for protecting your agency.
Hired & Non-Owned Auto Insurance
Covers liability when caregivers use their personal vehicles for work-related duties or when your agency rents vehicles. Protects against auto accidents that occur while employees transport clients or travel between appointments.
- Personal vehicle business use
- Rental vehicle coverage
- Employee-owned auto liability
- Client transportation protection
Common scenarios include caregivers causing accidents while driving to client homes, injuries occurring while transporting clients in employee vehicles, and accidents in rental vehicles used for business purposes.