PM Healthcare Protect©: Personal Care Provider Insurance
As a personal care provider, you strive to provide excellent care for your patients, so they can continue living an independent life. Part of providing care, however, is exposure to risks related to your work and the risks of running a business.
PM Healthcare Protect policies help you protect your career, livelihood, and business from the risks you face in the personal care industry.
Professional Liability Insurance for Personal Care Aides
Professional liability insurance for in-home caregivers and personal care providers helps protect you from claims made against your professional work, such as a patient alleging that your care resulted in an injury. This coverage is important for home care aides, as it helps cover the cost to defend yourself and your career against lawsuits, even if the claim is unfounded.
PM Healthcare Protect professional liability insurance covers personal care professionals who help patients with daily living activities and other non-medical services. Coverage might include protection against claims of:
- Negligence or failure to meet the expected standard of care
- Errors or mistakes, such as miscommunications or unintentional oversights, when providing care
- Bodily injury and property damage caused during your regular scope of work
Business Insurance for Personal Caregiver Agencies
Whether you're an individual personal care provider or a personal care agency, your business is more than the care you provide to patients. The operational side of your business is also exposed to risks, such as liability risks not related to your professional care or property risks that could damage your business assets.
With PM Healthcare Protect, you have access to additional coverage options to protect your business
General Liability and Commercial Property Insurance
General liability insurance and commercial property coverage protect your personal care provider business from common business risks.
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General liability insurance: Helps protect your business from claims and lawsuits related to non-professional risks, such as if you accidentally damage a third party's property when visiting a patient
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Commercial property insurance: Helps protect your business property, such as computer equipment or caregiving supplies, from covered risks and may include business interruption coverage
We make it easy to get general liability and commercial property coverage through PM Healthcare Protect policies, which let you get both coverages in one convenient policy.
Additional Coverage Options
In addition to general liability and commercial property coverage, you can protect your business with other option coverages, such as:
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Cyber liability insurance: Covers the cost of defending your business against claims related to liability for data breaches or cyberattacks
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Employment practices liability: Protection for workplace-related claims involving hiring, termination, or employee management
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Workers compensation coverage: Provides benefits for employees injured on the job and may be required by state law for businesses with employees
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Commercial auto insurance: Provides coverage for vehicles being used for business purposes
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Commercial umbrella coverage: Provides an extra layer of liability protection in addition to your primary coverage*
*Coverage options subject to availability and eligibility.
Why Choose PM Healthcare Protect?
PM Healthcare Protect policies help safeguard your business from risks you face as a personal care provider or caregiver agency owner. When you choose our policies, you get access to:
- A carrier with over 115 years of experience protecting healthcare industry professionals
- Industry-tailored coverage designed with input from licensed healthcare professionals
- Reliable claims support from experienced claims handlers who understand your business