What do I need to know about 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 their insurance that covers medical bills and lost income should the worker be injured on the job. 
  • General Liability. This covers claims of bodily injury or property damage should the caregiver's services injure someone or damage a customer's property.
  • Professional Liability. Some 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.
  • Auto. If 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 their employer. That contract could contain clauses that expose you to financial liability that falls outside your homeowner's liability. Talk with your insurance agent or broker about the extent to which your homeower's policy covers in-home caregivers.



use of a caregiver in our home has been a godsend. We have a wonderful lady that spends 4 hours each weekday morning. Her entire focus is spending time with Jan. This includes shower in the am, breakfast preparation, medication reminders, assist with dressing,  grooming, stand by when walking (Jan has ,fallen several times and has been"caught" before any damage has occurred),and cooking,shopping with Jan, etc.

THe service has also benefitted myself   as I have four hours where I can run errands and be able to leave the home without stressing over Jan.

We use a service where the staff has training, are insured and properly supervised. As an example, whenever we have a new caregiver, a supervisor is always on the phone at the start of the day going over Jan's  specific situation with that individual.

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