The Hartford doesn’t offer home care insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Home Care Insurance?
Home healthcare service insurance is made up of different types of business insurance coverages designed to help protect you from the risks that can come with providing in-home care to patients.
A home healthcare package can include these common types of coverages:
- Business Owner’s Policy (BOP)
- Professional liability insurance
- Workers’ compensation insurance
- Commercial auto insurance
Why Might You Need In-Home Caregiver Insurance?
Home care insurance is a collection of coverages that can help protect your business when things don’t go as planned. For example, if a client gets hurt during a transfer or someone steals your equipment on the job, you could be responsible for the costs. The right type of insurance can help you cover the cost of medical bills, gear replacement or lost income when something goes wrong.
In-home care insurance can help protect your business from many potential risks, like:
- Bodily injury: A client falls during a homecare session and hurts their ankle.
- Auto accident: A work vehicle is rear-ended while driving to a home visit.
- Property damage: A mobility device accidentally scratches a client’s hardwood floors.
What Home Healthcare Insurance Coverage Might I Need?
When it comes to protecting your home care business, you’ll want coverage that matches your potential risks. Many small business owners start with a Business Owner’s Policy (BOP) because of the peace of mind it can provide.
A BOP combines three types of coverages to help protect you from everyday risks:
General liability insurance helps protect you from claims that you caused bodily injury or property damage to others.
General liability insurance helps protect you from claims that you caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, inventory and supplies you rely on. These can include:
- Wheelchairs
- Walkers
- Blood pressure monitors
- Pulse oximeters
- Personal care equipment
- Personal protective equipment (PPE)
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage caused by a fire, theft or wind. This coverage can help pay your business’ ongoing operating costs, such as payroll and utility bills.
It’s important to know that a BOP won’t cover every kind of claim you could face. You’ll need to get other types of insurance to have well-rounded protection, such as:
Workers’ compensation insurance to help your employees recover from a work-related injury or illness.
Commercial auto insurance to help cover claims from an auto accident that occurs while you or an employee drives a company-owned vehicle for work.
How Much Does Insurance for Home Care Providers Cost?
Although The Hartford doesn’t offer coverage for home care providers, here are the average costs our small business customers pay for common types of insurance. You can use these amounts to help estimate your insurance cost:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of insurance for home healthcare providers varies because every business faces unique risks. Insurance companies may consider several factors when determining your coverage costs, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific home care business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“One of my nurses was helping a patient walk to the kitchen when the walker slipped out from beneath her. The patient had to go to the hospital for X-rays.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Employment Practices Liability Insurance
“A former aide accused us of discriminating against her because of her age.”
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.
Workers’ Compensation Insurance
“One of my caregivers slipped at a client’s home and injured his shoulder. He couldn’t work for weeks.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Professional Liability Insurance
“My case manager was sued by a family who felt our services delayed their mom’s recovery.”
Professional liability insurance helps protect your business from claims that it made an error in the professional services given to a client. It can help pay attorney fees or other court-related costs.
Commercial Property Insurance
“Our storage room caught fire, and we lost all of our PPE and backup medical supplies.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Commercial Auto Insurance
“As I was parking at a patient’s house, I accidentally backed into their mailbox.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Get a Quote for Home Care Insurance Options
Choose insurance that you can count on, like your patients count on you. Get a quote today through Tivly.
Last Updated: April 30, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 U.S. Bureau of Labor and Statistics, “Healthcare and Social Assistance Had 562,500 Injuries and Illnesses in 2023, Fewer Than 2022,” viewed April 2026.
4 National Fire Protection Association, “Fire Loss in the United States,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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