What is In Home Services?
In Home Services coverage is a type of insurance designed for professionals who work inside clients’ homes. This includes caregivers, cleaners, handymen, and other service providers who perform tasks on-site. The coverage helps protect against liability risks and other potential losses that may occur while providing services in a client’s home.
Who Needs It
Anyone who regularly enters a customer’s home to perform work should consider In Home Services insurance. This includes:
- Home health aides and personal care assistants
- Housekeepers and cleaning service providers
- Pet sitters and dog walkers
- Handymen, electricians, and plumbers
- Interior decorators and organizers
If your job involves entering others’ homes as part of your work, this coverage can help protect you from unexpected claims or damages.
What It Typically Covers
In Home Services insurance can include several types of protection, depending on your policy. Common coverages include:
- General liability: For third-party bodily injury or property damage claims
- Professional liability: Coverage for professional errors or negligence
- Property coverage: Protection for tools or equipment used in your work
- Medical payments: Covers minor injuries without needing a lawsuit
Common Exclusions and Limitations
While coverage is broad, there are exclusions. These can vary by provider but often include:
- Intentional damage or illegal activity
- Injuries to yourself or your employees
- Damage to your own property
- Services performed outside the scope of your policy
Always review your individual policy to understand what is and isn't covered.
Factors That Influence Cost
The cost of In Home Services insurance depends on several factors, such as:
- The type of services you offer
- Your business size and number of employees
- Your claims history
- Coverage limits and deductibles
- Your location and local requirements
Proof of Insurance & Compliance
Many clients require proof of insurance before allowing you to work in their homes. Additionally, some states or industries may require specific levels of coverage. A certificate of insurance (COI) can serve as proof and helps build trust with clients.
How to Get a Quote
Getting coverage is simple. You can start by requesting a free quote based on your services and business needs. Get a quote today.
Frequently Asked Questions
Do I need In Home Services insurance if I’m self-employed?
Yes, even if you’re self-employed, this coverage can protect you from liability claims and other risks while working in clients’ homes.
Is this coverage required by law?
Requirements vary by state and industry. While not always legally required, clients may demand proof of insurance before hiring you.
What happens if I damage a client’s property?
If your policy includes general liability coverage, it may help pay for repair or replacement of damaged property, depending on the circumstances.
Can I add employees to my policy?
Yes, many policies allow you to include employees or subcontractors, but this may affect your premium.
How quickly can I get a certificate of insurance?
In many cases, you can get a COI shortly after purchasing your policy, often the same day.
Still have questions? Talk to a local insurance expert.