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Insurance for Personal Care Assistants


As a personal care assistant, you provide care, comfort and protection to your clients. But you also face specific risks. Hiscox understands these risks and we customize coverage for your specific business needs.


Professional Liability Insurance

Negligence: The family of a client sues you when the client is hospitalized with an infection. They claim that you failed to change the dressings from a recent surgery, which led to the infection. We may cover your defense costs as well as any settlement or judgement, up to your limits of liability.

 

General Liability Insurance

Bodily Injury: An elderly client falls and breaks her hip while you are at her home. Her family alleges that you did not keep her apartment clear of obstructions and claims that you are at fault for her injuries. We could cover the client’s claim and medical expenses up to your limits of liability.

 

Property Damage: While you are in a client’s home, you knock over and break an expensive antique vase. We may cover the cost to replace the vase, up to the limits of your liability.

 

Personal Injury: One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your limits of liability, and pay for an attorney to defend you if necessary.

 

What's Not Covered: It’s important to note that General Liability insurance provides coverage for claims or lawsuits brought by another person, business, or other party, but provides no coverage for loss or damage to your own property or property you have in your care, custody or control.

 

Get a fast free quote online from our partner InsuranceBee or call 855-974-6363 between the hours of 9am to 5:30pm ET (Monday thru Friday).

This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!

855-974-6363

Mon-Fri: 8am – 9:30pm EST

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Insurance written by Hiscox and provided by our partner InsuranceBee.