GENERAL
LIABILITY
Insurance – Provides Bodily Injury and
Property Damage coverage as a result of the caregivers’actions.
No Insurance – client has no
recovery for any Bodily Injury or Property Damage
from caregiver’s negligence.
(Ex. Caregiver is vacuuming and
leaves a cord plugged in and the client trips and
falls injuring him or herself. Client’s own medical
insurance will have to pay for their own medical
bills.)
(Ex. Damage to client’s property –
i.e. bleach spilled on carpet, damage to home by
caregiver.)
CRIME/BOND
Insurance – Provides coverage for
claims against a caregiver when property (cash,
jewelry, credit card) may have been taken from the
client.
No Insurance – Client is not
protected against loss of property or belongings
(including credit
card/checks/cash) that may have been
taken by a caregiver. (Ex. Jewelry – limited
coverage on a homeowners policy unless scheduled
separately.)
WORKERS
COMPENSATION
Insurance – Provides sole remedy of
protection for employees (caregivers) injuries.
No Insurance – If caregiver is
injured while caring for the client, the caregiver
may seek medical and disability payments from the
client/homeowner – Not able to return to work –
Limited basis. Client will not have the protection
for employing the caregiver.
(Ex. Caregiver is injured in an
automobile accident and is unable to work. Caregiver
strains back while assisting client).
Please refer to the specific insurance policy for
coverage, limitations and deductibles.
