Caregiver Insurance

Caregiver Insurance

Customized insurance for private caregivers to protect them from the liabilities they face.

Zensurance - Caregiver

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Private Caregiver

Insurance for caregivers

Caregivers provide assistance, support, and care to individuals who are unable to fully care for themselves due to various reasons such as age, illness, disability, or injury. Caregivers play a crucial role in ensuring the well-being and comfort of those in need.

A caregiver’s responsibilities are significant. From helping their clients with personal hygiene, administering prescribed medications, and providing companionship to tackling housekeeping duties and running errands on a patient’s behalf, these professionals perform vital healthcare functions.

However, mistakes can happen despite how conscientious a caregiver may be. Having private caregiver insurance is essential for these professionals to protect their finances and reputations.

Caregiver insurance, also known as caregiver liability insurance or caregiver accident insurance, is designed to protect professional caregivers against potential risks and liabilities that may arise in the course of their duties. It is specifically tailored to address the unique needs and challenges faced by caregivers in their line of work. 

Caregiver insurance coverage helps mitigate the financial burden of legal costs, damages, and medical expenses that may arise from incidents or allegations during the course of caregiving duties. 

A typical caregiver liability insurance policy includes the following types of coverages:

  • Commercial General Liability (CGL) Insurance: CGL, also called general liability insurance, protects caregivers against claims of third-party bodily injury or property damage occurring during the course of caregiving. If accidents or incidents occur, such as slips and falls, accidental damage to property, or injuries to your patients while under your supervision, CGL may cover an injured patient’s medical expenses and provide you with support to pay for legal costs if you are sued.
  • Professional Liability Insurance: Also known as errors and omissions (E&O) insurance, caregiver insurance typically includes professional liability coverage. It protects caregivers against claims arising from alleged mistakes, inadequate care, or failure to provide proper care or supervision. It helps cover legal expenses and potential damages if a client or their family files a lawsuit due to perceived professional errors.
  • Commercial Auto Insurance: If you use a personal vehicle to drive to various patients’ locations, you should consider including commercial auto insurance in your policy. Private-passenger car insurance is not designed to pay for damages resulting from auto accidents for any vehicle used for business purposes.
  • Cyber Liability Insurance: Although a caregiver’s services are provided in person, you likely use email and other types of software to maintain a schedule and keep patient records electronically. Cyber liability insurance is critical coverage to have. No small business or caregiver is immune to the threat of cyber-attacks and data breaches. Cyber liability insurance provides financial support for repairing software systems, legal advice, crisis management, and credit monitoring following a cyber-attack.

You may require additional coverages to build a comprehensive caregiver insurance policy. Speak to a licensed Zensurance broker about your specific needs if you have questions.

Insurance providers determine the cost of a caregiver insurance policy based on several factors, including:

  • Your location
  • The services you provide
  • The number of patients you have
  • Your experience, certification, and training
  • Your annual and projected revenue
  • Your insurance claim history

Getting insured is quick and easy!

Complete our 5-minute online application for a free caregiver liability insurance quote.

Common claims scenarios

caregiver with patient

Problem: While under your supervision, one of your elderly patients slips and falls and is injured.

Outcome: Your commercial general liability insurance may cover the cost of the injured patient’s medical fees.

caregiver prescribing medication

Problem: You administer the wrong dosage of medication to a patient that causes adverse effects and they require medical attention. The patient’s family alleges you’re negligent and threatens legal action.

Outcome: Your professional liability insurance may cover the patient’s medical expenses and provide you with funds for your legal defence.


Problem: You accidentally knock a lamp off of a table in a patient’s home while vacuuming a carpet. It smashes into pieces on the floor.

Outcome: Your commercial general liability insurance may cover the cost to replace the damaged lamp.

Frequently asked questions

Do I need caregiver insurance if I work for a home care agency?

While some home care agencies may provide insurance for their employees, it’s important to understand the specifics of the coverage. It’s recommended to review the agency’s insurance policy to ensure it adequately protects you and covers potential liabilities. Additionally, buying caregiver insurance can provide an extra layer of protection and peace of mind, especially if you work independently or as a freelance caregiver.

Can caregiver insurance cover me if I provide care for family members or friends?

Caregiver insurance is typically designed for professional caregivers who provide care in a formal employment capacity. It may not extend coverage to caregiving services provided to family members or friends on an informal basis.

Does caregiver insurance cover me if I work as a live-in caregiver?

Yes, caregiver insurance covers live-in caregivers. It extends coverage to the caregiver during their entire work period, whether they provide care during specific hours or live with the care recipient.

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Protect your career, reputation, and finances with a customized caregiver insurance policy from Zensurance.

Our friendly brokers can advise you on the coverages you need, coverage limits, and tailor a policy to suit your specific needs. Using our partner network of over 50 insurance providers, we can get the low-cost protection you need to offset the liability risks you face.