In-Home Caregiver Insurance

Liability insurance is crucial for in-home caregivers as it provides protection against claims of negligence or harm. This can include legal defense costs or settlements, up to policy limits, helping safeguard your financial stability and professional reputation.

While not universally mandated by law, some states or employers may require in-home caregivers to carry liability insurance. Even when not required, it is highly recommended to have it.

Yes, we can offer insurance solutions that are valid in multiple states or multiple homes but it is important to discuss this with us.

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

The following scenarios demonstrate how companion caregiver insurance provides protection:

• While serving hot coffee, you spill it on the client and cause a severe burn. The bodily injury component of your general liability policy would cover the patient’s medical bills and protect you if the patient decides to sue you.
• During a home visit, you accidentally knock over and break an expensive antique ornament. The property damage coverage under your general liability insurance plan would pay for the damages.
• You make some disparaging comments about a client to another personal care provider. The client finds out about it and decides to sue you for slander. You would have coverage under the personal injury provision of your general liability policy.
• You unintentionally mix up the client’s medications or provide incorrect dosage recommendations, which causes the client to become seriously ill. Malpractice insurance would protect you in this situation.

The cost of in-home caregiver insurance depends on a variety of factors, including the scope of coverage, your experience, services provided, location, and more. A quote specific to your circumstances is necessary to determine the exact cost.