IN-HOME CAREGIVER INSURANCE

We can help midwives, doulas, nurses, and other at-home healthcare professionals who need liability insurance and want to have true peace of mind when performing their duties. We don’t just provide coverage solutions for at-home professionals but we also provide solutions for birthing centers and medical facilities as well! We can help you even if you’ve been declined, canceled, or non-renewed and we can help you whether you’re new to your career or have been in the industry for 20 years. The point is, we are here to help anyone in need of specialty liability coverage.

You can get customized coverage all under one, simple policy. These coverages can include:

• Malpractice
• VBAC (vaginal birth after cesarean)
• Professional liability
• D&O
• Commercial general liability
• Alleged sexual abuse and molestation liability
• Exclusions on current policy
• And more!

At XINSURANCE, we understand the challenges in-home caregivers face when finding insurance coverage. We offer general liability insurance solutions 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.

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, 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.

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.

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.

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.