Who we insure
Insurance for Home Care and Personal Care Agencies
Caregivers spend hours alone with seniors and people with disabilities, often handling medications, money and transportation. Claims tend to involve falls, theft allegations and caregiver injuries, so coverage needs to address each of them.
This page is for
- Non-medical home care and companion care
- Personal care / ADL assistance
- Medicaid waiver and respite providers
- Franchise home care agencies
Your risks
The risks we plan around
Client falls and injuries
Allegations that a caregiver failed to prevent a fall or caused an injury during bathing or transfers.
Theft of client property
Missing jewelry, cash or cards. Standard crime policies don't cover clients' property without third-party coverage.
Abuse allegations
Vulnerable clients and one-on-one care make A&M coverage essential, and many standard policies exclude it.
Caregiver injuries
Lifting, transfers and slips make workers' comp the largest premium for many agencies.
Wage-and-hour disputes
Overtime, travel time and live-in shifts are common sources of employment claims.
Recommended coverage
How we'd build your program
Every organization is different; this is where we start the conversation.
General Liability
EssentialCore coverage for injuries and property damage in clients' homes.
Professional Liability
EssentialCovers personal-care services and allegations of improper care.
Abuse & Molestation
EssentialUsually required by Medicaid waiver programs and referral partners.
Crime & Theft of Client Property
EssentialThird-party coverage for theft of client property, plus bond requirements.
Workers' Compensation
EssentialRequired in most states; largest exposure for caregivers.
Hired & Non-Owned Auto / Commercial Auto
Usually recommendedCaregivers driving to clients and running errands.
Employment Practices Liability (EPLI)
Usually recommendedTurnover and wage-and-hour risk.
Cyber Liability & HIPAA
Worth consideringClient records and payment data.
Contract requirements
What facilities and payers typically require
Requirements vary by contract. Paste yours into our checker and we'll compare it to your coverage.
- General and professional liability, often $1M / $3M
- Abuse & molestation with a stated limit
- Fidelity bond or third-party crime coverage
- Workers' compensation certificate
- Additional insured status for the payer or referral agency
FAQ
Home Care insurance questions
Do non-medical agencies need professional liability?
Yes. Personal care such as bathing, transfers and medication reminders is a professional service, and many GL policies exclude it. Many carriers package GL and PL for home care.
Our state requires a bond. Is crime insurance the same?
Sometimes. It depends on the required wording. Tell us which agency requires it and we'll place the right instrument.
Do you insure franchise agencies?
Yes. We'll make sure your coverage meets the franchisor's requirements as well as your state's.
Get your quote in a few business days
Quotes in a few business days. Questions answered by Misty, not a call center.
Talk to Misty
Call or text Misty directly. You'll talk to the person who knows your account, not a call center.
- Call(435) 216-6749
- Text(435) 216-6749
- EmailMisty@snowcanyoninsurance.com
- HoursMon–Fri, 9am–5pm Mountain · Closed Sat–Sun
- MailPO Box 25, Santa Clara, UT 84765