Reply
Honored Social Butterfly

Basic Info: Hiring An INSURED Caregiver

This was passed onto me from my Insurance Broker.  Just thought I would pass it along since it is just the basics.

 

Hiring An Insured Caregiver

 

If it is time to hire an in-home caregiver, make sure the person you hire is adequately insured.  Whether the caregiver is employed by a service or is an independent contractor, it is important to verify the following:

 

  • Workers compensation The caregiver should furnish proof of this insurance which covers medical bills and lost income should the worker be injured on the job. 
  • General LiabilityThis covers claims of bodily injury or property damage should the caregiver's services injure someone or damage a customer's property.
  • Professional LiabilitySome caregivers possess advanced medical certifications and training.  In these instances, a general liability policy might not be sufficient to cover their errors, if one should occur.  They might need professional liability insurance.
  • AutoIf the caregiver drives a client to and from errands, appointments, etc. verify that his auto insurance will cover damage to vehicles and bodily injury to passengers or others and that the limit of insurance available for such claims is sufficient.

You may be asked to enter into a contract with the caregiver or his employer.  That contract could contain clauses that expose you to financial liability that falls outside your homeowners liability.  Talk with your insurance agent or broker about the extent to which your homeowers policy covers in-home caregivers.

 

 

 

It's Always Something . . . . Roseanna Roseannadanna
AARP Expert

@GailL1 Thanks for sharing! 

 

Take care,

Amy Goyer, AARP Family & Caregiving Expert

Author, Juggling Life, Work and Caregiving and

Color Your Way Content When Caring for Loved Ones

0 Kudos
1,072 Views
0
Report
cancel
Showing results for 
Show  only  | Search instead for 
Did you mean: 
Users
Announcements

AARP Make Your Move Contest 2021

Enter Today! Ends 10/22/2021. See Official Rules


Trick or teat yourself to a howlin' good time at the Daybreaker Live: A Monster Mash-Up Dance Party, Presented by AARP on Saturday, October 16 from 11am-1pm ET. Register Here! Daybreaker Live: a Monster Mash-Up Dance Party

Test Your Knowledge, Score Big. New Game Each Day!

AARP's new Right Again! Trivia game - part trivia, part puzzle, all fun! Special opportunities for AARP Members and Rewards participants. Play Now.

AARP Right Again! Trivia

AARP Rewards

Activate AARP Rewards to earn points for games, quizzes and videos. Redeem for deals and discounts. Get started with AARP Rewards now!

AARP Rewards Badge

Music and Brain Health

From soft jazz to hard rock - discover music's mental, social and physical benefits. Learn more.

Music and Brain Health