Home Health and Caregiver Insurance in Tennessee

Common risks for home care and caregiver businesses

• Client falls during care
• Allegations of abuse or neglect
• Theft accusations
• Accidents while driving clients
• Caregiver injuries

Coverages home care and caregiver businesses often consider

• General liability Helps if your business is blamed for injuring someone or damaging their property, and usually pays for a legal defense.
• Professional liability (E&O) Covers claims that your advice, design, or professional service caused a client a financial loss.
• Abuse and molestation coverage Addresses a serious risk for businesses that care for or teach children or vulnerable adults. Often excluded unless added.
• Hired and non-owned auto Liability for when you or employees drive personal or rented cars on business errands.
• Surety bonds Can help if a caregiver steals from a client.
• Workers’ compensation Pays medical bills and lost wages if an employee is hurt on the job, and includes employer’s liability.

Not every business needs every coverage. The right mix depends on your work, your contracts, and your budget. All coverage is subject to underwriting and the terms of the policy.

What a claim could look like

For example, imagine a client falls while your caregiver helps her to the bathroom in her Lebanon home. The family claims medical costs. A claim like that may go to general or professional liability, depending on the facts and policy terms.

This is a hypothetical example for education only. Whether any claim is covered depends on the facts and your policy terms.

Tennessee rules to know

Workers’ comp. Most Tennessee employers outside construction and coal mining must carry workers’ compensation once they have five or more employees, full- or part-time, per the Tennessee Department of Labor and Workforce Development. Even below that number, many owners choose to carry it.

Licensing. If your work requires a state or local license or permit, check with the licensing board or office for any insurance or bonding rules. We can help you meet whatever they require.

We can review your requirements and help you shop workers’ compensation and the other coverages above with carriers that write home care and caregiver businesses, subject to underwriting.

Certificates of insurance

Families and agencies often ask home care businesses for proof of insurance and bonding.

A certificate of insurance shows your coverage on the day it’s issued. If a contract asks for additional insured status or a waiver of subrogation, the policy usually needs an endorsement, not just a line on the certificate. Our certificate of insurance checklist walks through what to check.

What affects the cost

• The type of work you do and how it’s classified
• Annual revenue and payroll
• Number of employees and any subcontractors
• Where you work and the value of your equipment or property
• The limits and deductibles you choose
• Your claims history and years in business

We can’t promise a price ahead of time, but we can compare options and explain the trade-offs in plain English.

How Eric can help home care and caregiver businesses

Caregivers and counselors serving families in Nashville, Gallatin, Lebanon, and Fairview often travel between homes, so auto and professional coverage matter. As an independent agent affiliated with Hutsenpiller Insurance, Eric can review what you have, read your contract requirements with you, and help you shop options with more than one carrier. See how an independent agent works for you.

Related guides

• Health and Care Services Business Insurance in Tennessee
• All business types we can help
• Business insurance in Middle Tennessee
• General liability insurance
• Certificates and additional insureds explained
• General liability vs. professional liability
• Small business insurance checklist (PDF)
• Certificate of insurance checklist (PDF)