IN-HOME CAREGIVER INSURANCE

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IN-HOME CAREGIVER INSURANCE

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IN-HOME CAREGIVER INSURANCE:
For individuals and businesses

in-home caregiver insurance

Home health aides and personal care providers perform a variety of essential tasks that help elderly and incapacitated individuals enjoy a better quality of life. While the former focuses on delivering in-home medical services, typically under the supervision of a registered nurse, the latter assists with daily living activities such as cleaning, cooking, dressing and grooming.

Because of the nature of the work, these caring, compassionate individuals do face a variety of liability risks. The decisions they make and actions they perform, even when driven by the best of intentions, could contribute to the injury or illness of the people under their care. Companion caregiver insurance is essential for protecting these workers against potentially devastating lawsuits.

Due to their high exposure to risk, caregivers often have difficulty finding the coverage they need to protect their assets and their livelihood.

in-home caregiver insurance

General Liability Insurance for Home Health and Personal Care Aides

At XINSURANCE, we understand the challenges in-home caregivers face when finding insurance coverage. We offer general liability insurance plans for the most difficult risks, including home health and personal care providers. Whether you’re a caregiver who has been declined coverage or had your policy canceled or non-renewed, we can help you find a plan that meets your needs.

What Does General Liability Insurance Cover?

General liability insurance for health care providers and personal care aides features a host of “third-party” coverages. It offers comprehensive liability protection in the event of:

  • Bodily injury: Covers claims resulting from injuries an individual incurs due to the caregiver’s negligence. The plan will pay judgments and settlements up to policy limits.
  • Property damage: If you cause damage to the home or individual’s personal property during a visit, the policy will cover these so you don’t have to pay for them out of your pocket.
  • Personal injury: Personal and advertising industry coverage applies to injuries or damages resulting from acts of slander, libel, disparagement of goods, false advertising, copyright infringement, and wrongful entry. Please note that personal injury coverage is available for an additional premium.

Professional Liability Insurance for In-Home Caregivers

Professional liability, also known as errors and omissions coverage, is another form of liability insurance that in-home caregivers should carry. This type of insurance focuses on injuries resulting from mistakes made by the provider when administering care. A specific version of professional liability insurance that pertains to home health aides is medical malpractice coverage, which protects them in the event of errors made when providing medical services.

Please note:  XINSURANCE does not provide workers’ compensation coverage.

Examples of Typical Insurance Claims

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.

Why Choose XINSURANCE as Your Insurance Provider?

At XINSURANCE, we provide true peace of mind by offering the most comprehensive, customizable liability coverage on the market. We’ll help you find an all-in-one insurance plan that enables you to protect yourself and your assets when a work-related accident or injury occurs. Policies are available with limits up to $10 million, or up to $20 million through our reinsurance partners, ensuring you’ll get the coverage amount that best meets your needs. No risk is too big or too small for XINSURANCE.

We also take pride in our ability to deliver top-notch customer service. You’ll have access to flexible underwriting, risk management and unparalleled claims expertise. With our 24/7 claims hotline, you can count on us to be there in your time of need.

How to Apply for In-Home Caregiver Insurance

We make applying for liability insurance for personal care providers and home health aides a fast, easy process. Start by filling out and submitting our online applications. Our underwriting team will then set up a phone call with you to discuss your app in more detail. After the call, we’ll provide a no-obligation quote for your review.

Please contact us to get your free companion caregiver insurance quote today.

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 30 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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