Français | Call Us

Facebook  Linkedin

Login

Western Financial Group
  • Insurance open insurance menu
  • Services open services menu
  • Reviews
  • About Us open menu
  • Contact Us

Find a Broker

Get a Quote

Insurance

Personal Insurance

Car

Home

Renter's

Farm

RV

Boat

Travel

Business Insurance

Start-ups to Mid-size Businesses

Employee Benefits

National Enterprises & Associations

Health & Life

Life

Disability

Critical Illness

Services

Registry Services

Claims

MyWestern

Payment Setup

Reviews

About Us

Diversity, Equity and Inclusion

Who We Are

Executive Team

Western News

Careers

Divisions

Partners

Sponsors

COVID-19 Info

Blog

Western Communities Foundation

Western Coast Insurance

Western Business Insurance

Wyatt Dowling Insurance

Contact Us

Personal Insurance

Car

Home

Renter's

Travel

Farm

RV

Boat

Business Insurance

Start-ups to Mid-size Businesses

Employee Benefits

National Enterprises & Associations

Health & Life

Life

Disability

Critical Illness

View All Products

Services

Registry Services

Claims

MyWestern

Payment Setup

About Us

Diversity, Equity and Inclusion

Who We Are

Executive Team

Western News

Careers

Divisions

Partners

Sponsors

COVID-19 Info

Blog

Western Communities Foundation

Western Coast Insurance

Western Business Insurance

Wyatt Dowling Insurance

Do Personal Caregivers Need Insurance?

Do Personal Caregivers Need Insurance?

If you are a personal caregiver working independently and going from home to home, you need business insurance.

A business insurance package will help you avoid having to pay expenses out of your pocket associated with liability claims.

Talk to your Western insurance expert about buying business insurance for your personal caregiver business. We have the knowledge and expertise to guide you through this process to make sure you are protected.

Why do personal caregivers need insurance?

Personal caregivers are front-line health care professionals and have an essential role in our healthcare system. Accidents can happen and a client could get hurt while you are visiting their home, or you could damage their property.

For example, a client could be injured in a fall while you are taking care of them. Having the right insurance means that you would not be personally responsible for paying the expenses associated with a work-related accident.

Your Western home insurance expert will answer any questions you may have about caregiver insurance and what policy is right for you.

What kind of insurance do personal caregivers need?

Personal caregivers need commercial general liability insurance, professional liability insurance, and commercial car insurance for protection from liability claims if an accident happens. You may also want to consider cyber insurance.

Commercial general liability insurance

One of the most important types of personal caregiver insurance is commercial general liability insurance. It covers costs associated with third-party bodily injury, third-party property damage, personal injury (slander and libel), and advertising injury (false advertising). Your business insurance policy can help pay for medical bills, legal expenses, property repairs, and settlements.

Professional liability insurance

Professional liability insurance, also called errors and omissions insurance, protects you from mistakes, oversights, poor advice, and claims of negligence. It covers legal expenses and other costs associated with injuries and financial losses.

Commercial car insurance

If you drive your car to clients’ homes, your personal car insurance policy may not cover you when you are using it for work. Commercial car insurance protects you from injury and damage caused by your vehicle if you are in an accident.

Cyber insurance

If you use your computer or phone to store client data and book appointments, you should have cyber insurance to protect you from data breaches and cyber-attacks, which can be expensive to deal with.

Western has business insurance experts across Canada. Fill out our form in one minute. One of our insurance brokers will contact you shortly. Our experts are also available now in branch or on the phone to help you navigate the home insurance journey that will give you the right policy for your situation.

GET A QUOTE

Recent Blog Posts

Spring Cleaning Tips for People Who Hate Cleaning
Spring Cleaning Tips for People Who Hate Cleaning

March 21, 2023


How to Sell Your House
How to Sell Your House

March 20, 2023


Let’s-Celebrate-Neurodiversity-Week!
Let's Celebrate Neurodiversity Week!

March 13, 2023


Call Us

Sales
Personal Insurance

1-866-860-1958

Business Insurance

1-866-860-1947

Life Insurance

1-888-594-3105

General Inquiries
and Services

1-866-245-2779
Mon-Fri: 8am-8 pm MT
Sat: 9am-6 pm MT

Claims

1-866-245-2779
Mon-Fri: 7:30am-4 pm MT
Sat: 9am-6 pm MT

1-877-599-7299
(After Hours)

Western Financial

About

Our Story

Executive Team

Careers

MyWestern Login

Mergers and Acquisition

Western Communities Foundation

Western News | Sitemap

Products & Services

All Insurance

Personal Insurance

Business Insurance

Health Insurance

Award Winning Brokerage

IBC Top Brokerage Top 100 Seal 2023  Top 100 Seal 2022

Privacy / Legal  |  Accessibility Guidelines |  Fair Treatment of Customers Policy |  Terms of Use  |  Compensation Disclosure  | Whistle-Blower Policy |  Complaints Process  |  Sitemap


2020 Western Financial Group. All rights reserved.

2023 Western Financial Group. All rights reserved.