National Home Care Business Insurance Quotes and Solutions

Most home care agencies need at minimum: general liability insurance, professional liability insurance, and workers compensation insurance (if you have employees). Depending on your services and state requirements, you may also need commercial auto insurance, cyber liability insurance, or umbrella coverage. We’ll help you determine exactly what coverage your specific operation requires.

The cost varies based on several factors including your location, number of employees, services provided, and coverage limits. On average, small home care agencies pay between $3,000-$8,000 annually for a comprehensive insurance package. Independent caregivers typically pay $500-$1,500 per year for liability coverage. Contact us for a customized quote based on your specific situation.

Yes, independent caregivers should carry liability insurance to protect against potential claims from clients or their families. Even if you’re careful, accidents can happen in client homes. Liability insurance protects your personal assets and provides legal defense if you’re sued for negligence, injury, or property damage.

In most states, yes. Workers compensation insurance is typically required as soon as you hire your first employee, including part-time caregivers. Requirements vary by state, and some states have exemptions for very small businesses. We can advise you on your specific state’s requirements.

General liability insurance covers third-party bodily injury and property damage (like a client slipping and falling). Professional liability insurance (also called errors & omissions or malpractice insurance) covers claims of negligence, mistakes, or inadequate care in your professional services. Home care agencies typically need both types of coverage.

Yes, we specialize in multi-state home care insurance. We can provide coverage across all states where you operate and help you understand each state’s specific insurance requirements. This is especially important for agencies expanding their service areas.

Once your policy is active, we can typically provide certificates of insurance (COIs) within 1-2 business hours. If you need certificates for client contracts or state licensing, we’ll ensure you receive them promptly with the correct certificate holder information.

Most of our policies allow you to adjust your caregiver count as needed, with premiums adjusted accordingly. We typically review your staffing quarterly to ensure your coverage matches your actual payroll. You can add caregivers immediately by contacting your dedicated agent.

This depends on your policy type. Standard general liability typically doesn’t cover auto accidents. If your caregivers drive their own vehicles for work (traveling between clients or transporting clients), you’ll need hired and non-owned auto coverage or commercial auto insurance. We’ll help you determine what’s needed based on your operations.

This is exactly what your liability insurance is for. Contact us immediately if you receive notice of a claim or lawsuit. Your insurance policy includes legal defense coverage, and we’ll work with the carrier to assign defense attorneys and handle the claim process. Don’t communicate directly with the claimant – let your insurance handle it.