Personal Support Worker (PSW) Insurance

Personal Support Worker Insurance

Protect your reputation and finances against claims of wrongdoing and negligence with a comprehensive personal support worker insurance policy.

Zensurance - Personal Support Worker

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Insurance for personal support workers

Personal support workers are increasingly in high demand across Canada. These medical professionals provide care and support for the elderly, chronically ill, and disabled who need assistance with activities of daily living, such as personal care and hygiene, housekeeping, meal preparation, and socialization. They provide support for any person in their home or a long-term care facility.

While the employment outlook for personal support workers is promising, these front-line health care professionals are exposed to a broad range of risks that calls for a personal support worker insurance policy.

Personal support worker insurance is a customized policy containing several types of insurance to provide PSWs with extensive, robust protection from the risks they face. This specialized insurance package is designed to support health care professionals if they face allegations, claims, or third-party lawsuits related to their professional activities.

A personal support worker insurance policy usually includes the following coverages:

  • Medical Malpractice Insurance: Also referred to as errors and omissions (E&O) insurance or professional liability insurance, medical malpractice coverage protects personal support workers and other medical professionals from client claims alleging negligence, breach of confidentiality, mistakes, misconduct, or failing to deliver a service as promised. It also includes coverage for your legal fees and financial loss resulting from your services if you are sued.
  • Commercial General Liability (CGL) Insurance: CGL is a must-have for personal support workers. Also called ‘slip-and-fall’ insurance, CGL covers you if facing a third-party bodily injury or property damage claim or lawsuit resulting from your professional activities. As most personal support workers visit their patients’ homes to care for them, CGL is designed to cover you if you accidentally break or damage something while doing your job, for example.
  • Legal Expense Insurance: Legal expense insurance provides you with access to legal advice from an experienced lawyer and the funds to retain a lawyer for specific issues, including tax protection, contract disputes, debt recovery, and statutory licence protection.

Insurance providers consider several factors when determining the cost of a personal support worker insurance policy, including: 

  • The type of health care services you provide
  • Your annual and projected gross revenue
  • Your years of experience as personal support worker
  • Your certification and training
  • Your insurance claim history

Getting insured is quick and easy!

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

Common claims scenarios

client injury - skin rash

Problem: One of your elderly patients suffers a painful skin rash that requires medication after you bathed them. Their family claims you were negligent for using a type of soap and shampoo the patient is allergic to and threatens to sue.

Outcome: Your medical malpractice insurance may pay for the patient’s medical expense and provide you with funds for your legal defence if the family sues you.

ceramic lamp on desk

Problem: While visiting a patient’s home as part of a regularly scheduled appointment, you accidentally knock over an end table with a ceramic lamp on it. The lamp hits the floor and smashes into pieces.

Outcome: Your commercial general liability insurance may pay to replace the destroyed ceramic lamp.

PSW cleaning home

Problem: After performing a few light housekeeping duties including mopping the kitchen floor in an elderly patient’s home, your patient slips on the wet floor, falls, and injures their hip.

Outcome: Your medical malpractice coverage may pay for the injured patient’s medical expenses.

Frequently asked questions

Is cyber liability insurance included in medical malpractice coverage?

No. Cyber liability insurance is a standalone product that can be included in your overall policy to protect you from the fallout related to data breaches or cybercrime.

I am employed at a long-term care facility for seniors. Do I need to buy insurance?

Yes. Even though your employer carries insurance, chances are you’re on your own if you are named in a lawsuit or face an allegation of wrongdoing. It’s vital to have your own policy.

Does a personal support worker insurance policy include coverage for abuse allegations?

Not necessarily. A personal support worker insurance policy that includes medical malpractice coverage doesn’t usually include coverage against abuse claims. However, you may be able to add limited coverage to your policy to protect yourself from such allegations. Speak to a licensed Zensurance broker for more information.

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Ready to start? Let’s get a quote!

Protect yourself with a personal support worker insurance policy from Zensurance. 

Fill out an online application to get a free quote. Our licensed brokers will shop our partner network of over 50 insurance providers and provide you with the PSW insurance policy you need, so you can concentrate on helping your patients.