Why caregivers need insurance
Caregivers work off-site, alone, and often around vulnerable adults. That creates elevated exposure to bodily injury claims, care-related negligence allegations, auto accidents while traveling between clients, and abuse allegations — all of which can quickly exceed an agency's uninsured retention.
Employee caregivers (W-2)
W-2 caregivers must be covered under the agency's workers' compensation, general liability, professional liability, and (if driving for work) non-owned & hired auto. The agency's payroll drives most premium calculations.
Contractor caregivers (1099)
True 1099 contractors should carry their own general and professional liability. But misclassification is one of the most common — and most expensive — mistakes we see in home care. State labor boards routinely reclassify 1099 caregivers as employees, which triggers unpaid workers' comp premium, penalties, and back wages.
Caregiver auto exposure
If caregivers drive their own vehicles to client homes, your agency needs non-owned & hired auto coverage. Personal auto policies often exclude business use, which means an accident on the way to a client could leave the agency exposed without this endorsement.
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