Fast, affordable
home care insurance.
+ 100 MORE
How Casey works.
01
Tell us what you do
One conversation, in plain English. A specialist takes time to learn about your business, tell you what coverage you need, and build the application for you.
02
We shop the market
We compare more than 100 insurance companies and get quotes from the ones that fit your business best. No gaps, nothing you don't need.
03
Matched at the best rate
Compare real quotes side by side and bind the one you want. From then on we handle certificates, claims, and every renewal.
How much does home care insurance cost?
Market benchmarks, not quotes or guaranteed prices. Your premium depends on carrier underwriting.
General Liability
$80–$200/mo
Professional Liability
$90–$220/mo
Workers' Comp
$200–$700/mo
Hired & Non-Owned Auto
$25–$80/mo
What home care insurance covers.
Home care insurance is a combination of policies. Which ones you need depends on your services, your caregivers, and what your state and contracts require.
Tell us about your agency and we'll put together the right ones.
01
General Liability
Third-party injury and property damage in the client's home — the broken heirloom, the visitor who trips over equipment, the slip on a floor your aide just mopped.
When it matters: a client's daughter slips on a freshly mopped kitchen floor.
02
Professional Liability
Even without medical care, the care itself generates claims — a missed medication reminder, a fall during a transfer. The line licensing boards and franchisors check first.
When it matters: a client falls during a transfer and the family blames your aide.
03
Workers' Comp
Required in most states once you have employees — and usually your biggest line. Lifting and transfer injuries drive the rate, which is exactly why it's worth shopping.
When it matters: a caregiver hurts her back lifting a client and is out for two months.
04
Hired & Non-Owned Auto
Your caregivers drive their own cars to clients — often with clients in them, to appointments and errands. Their personal auto policies weren't built for that, and it's the most common gap we find.
When it matters: a caregiver rear-ends someone driving a client to a doctor's appointment.
05
Abuse & Molestation
Allegations against a caregiver, founded or not, land on the agency. Many policies sublimit or exclude this quietly — and many state contracts and referral sources require it in full.
When it matters: a family makes an allegation and the defense costs start before any facts are in.
Why home care agencies stay with Casey.
Casey is an independent insurance agency, which means we work for you, not an insurance company. We compare coverage and rates from more than 100 carriers to find the right fit for your business. Our technology takes care of the busywork, so quotes, certificates, and policy changes happen faster and your dedicated agent has more time to focus on you.
Claims advocacy
When something goes wrong, your broker works the claim on your side — not the carrier's.
Re-shopped every renewal
Most renewals are defensive. Ours aren't — we work the market ahead of time so the best terms find you every year, automatically.
Certificates, instantly
Self-serve COIs the moment a job site or landlord asks. No calling, no waiting, no office hours.
Home care insurance, answered.
What happens after I submit?+−
A licensed specialist will get in touch within a few minutes, take the time to learn about your business, and advise you on what coverage you need. From there, we shop the market to find the insurance company with the best value for you.
How much does home care insurance cost?+−
It depends on payroll, revenue, and claims history. GL and professional liability together for a small non-medical agency often run $2,000–$5,000 a year; workers' comp is usually the bigger line. We shop 100+ carriers so you see the real number for your agency.
My caregivers are 1099 contractors. Is that a problem?+−
It's a placement problem, not a dead end. Many markets decline 1099-heavy models by default, but carriers exist that write registries and contractor models — expect questions about your caregiver agreements and who directs the work.
Do I really need abuse & molestation coverage?+−
Yes — and check whether your current policy sublimits it to a fraction of your GL limit, because many do. State Medicaid contracts, franchisors, and referral partners increasingly require full limits.
My caregivers drive clients in their own cars. Am I covered?+−
Not by default. Their personal auto policies respond first — and often poorly — while your agency gets named in the suit anyway. Hired & non-owned auto fills that gap.
Let's get started.
Send in your details and a licensed professional will be in touch shortly. Prefer to talk now?
In a hurry? Call (513) 866-3655