Home care
What covers damage to a client home or property?
Property damage you cause in the course of providing care is ordinarily a general liability matter, and that part is usually straightforward.
The harder exposure is allegations of theft. A caregiver working alone in a client home, often with a client who has cognitive impairment, is structurally exposed to accusation whether or not anything was taken. That is a crime coverage question and a reputational one, and general liability does not answer either.
The controls that matter are procedural: a written policy on handling client money and valuables, a prohibition on accepting gifts, documented client property inventories where appropriate, and a clear reporting path. Those protect the caregiver as much as the agency.
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More home care questions
Do we need auto coverage if the agency owns no vehicles?
Yes. Hired and non-owned auto responds when caregivers drive personal vehicles on agency business, and their personal limits are frequently minimal.
How do we defend a claim when supervision is remote?
From the documentation, because it is the only evidence of what happened. Competency assessment, supervisory visits and an escalation path are the record.
Why is wage and hour the claim we actually get?
Because it arises from how the work is structured rather than from any manager conduct, and structural practices apply uniformly across a role.
Does HIPAA apply to a home care agency?
It depends on the services and billing arrangement, but the practical exposure is the same either way: you hold health and identity information about a targeted population.
Are we liable for a caregiver we treat as a contractor?
Frequently yes, and the classification a plaintiff argues for is the one that reaches you. Confirm your policy covers liability from contractor acts.
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