Home Care Agency Insurance: Complete Guide for 2026
Carezano TeamMarch 29, 2026
The Insurance Policies You Need
General Liability ($500-$2,000/year) Covers bodily injury and property damage. If a caregiver accidentally damages a client's property or a visitor trips in the office, this policy pays.
Professional Liability / E&O ($1,000-$3,000/year) Covers claims of negligence or failure to provide proper care. This is the policy that protects you when a client's family says care wasn't delivered properly.
Workers' Compensation ($1-$3 per $100 of payroll) Mandatory in most states. Covers your caregivers if they're injured on the job — lifting injuries, car accidents during commutes, exposure to illness.
Surety Bond ($100-$500/year) Required in some states as part of licensing. Protects clients against fraud or failure to deliver services.
Commercial Auto ($1,200-$2,500/year) If caregivers drive company vehicles or transport clients, you need this. Even with personal vehicles, consider non-owned auto coverage.
Cyber Liability ($500-$1,500/year) Increasingly important as agencies store client health data digitally. Covers data breach costs, notification requirements, and legal fees.
How to Save Money
- Bundle policies — most insurers give 10-15% discounts for bundling
- Use a specialist — insurers who focus on home care understand the risks and price better
- Invest in training — documented safety programs reduce premiums
- Maintain clean claims history — the single biggest factor in your rates