Health & Wellness

Caregiver Insurance in Ontario

Care for others, coverage for you.

Private caregivers work alone in clients' homes with vulnerable people — falls during transfers, medication mix-ups, and allegations from family members are the exposures that follow the work.

We cover independent caregivers and small agencies, with abuse allegations coverage that protects the falsely accused as well as the vulnerable.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Professional liability (E&O) for claims arising from your advice or service
Abuse and molestation coverage where working with vulnerable people
Coverage for care in clients' homes

Good to know

Frequently asked questions

Am I covered if a client falls while I'm helping them?: Transfer and mobility incidents are the core claim of caregiving — liability coverage responds to injury claims, and documenting care plans and incidents strengthens every defence.
How much does caregiver insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get caregiver insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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Frequently asked questions

Am I covered if a client falls while I'm helping them?

Transfer and mobility incidents are the core claim of caregiving — liability coverage responds to injury claims, and documenting care plans and incidents strengthens every defence.

How much does caregiver insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get caregiver insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.