Health & Wellness

Home Health Care Insurance in Ontario

Clinical care in client homes, covered at both ends.

Home health care delivers clinical services in uncontrolled environments — client homes. Medication errors, transfer injuries, and allegations arising from one-to-one care are the operating exposures, multiplied across every worker you field.

We insure home-care agencies and independent providers, including abuse coverage and non-owned auto for staff driving between clients.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Malpractice / professional liability tailored to regulated health practice
Abuse and molestation coverage where working with vulnerable people
Non-owned auto liability for staff using their own vehicles
Commercial crime coverage for theft and employee dishonesty

Good to know

Frequently asked questions

Are my staff covered driving their own cars between clients?: Their personal auto policy responds first, but the agency's exposure needs non-owned auto liability — it protects the business when an employee's on-duty accident draws the agency into the claim.
How much does home health care 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 home health care 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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What the package includes

Commercial general liability (CGL) for third-party injury and property damage

Malpractice / professional liability tailored to regulated health practice

Abuse and molestation coverage where working with vulnerable people

Non-owned auto liability for staff using their own vehicles

Commercial crime coverage for theft and employee dishonesty

Frequently asked questions

Are my staff covered driving their own cars between clients?

Their personal auto policy responds first, but the agency's exposure needs non-owned auto liability — it protects the business when an employee's on-duty accident draws the agency into the claim.

How much does home health care 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 home health care 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.