FAQ_category: (HIDDEN) Industry FAQs

Speech therapists often carry multiple coverages to stay protected: 

• Professional liability – protects against malpractice claims, treatment errors, or misdiagnosis 

• General liability – covers third-party injuries, like a client tripping in your office 

• Business property coverage – insures therapy tools, office equipment, and materials 

• Cyber liability – safeguards client health information and electronic records 

• Workers’ compensation – required if you employ staff, covering workplace injuries 

Yes! Most liability policies for home health aides extend protection to: 

• Clients’ private residences 

• Assisted living or nursing facilities 

• Community settings where care is provided 

Yes, it’s strongly recommended. While agencies often carry insurance, their policies primarily protect the business. Your own liability insurance ensures: 

• Personal coverage if you are named individually in a lawsuit 

• Protection outside agency work if you take on private clients 

• Peace of mind knowing you’re covered regardless of employer exclusions 

On average, home health aides pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Home health aides face unique risks when providing care in clients’ homes. Insurance protection often includes: 

• Professional liability – coverage for claims of negligence, errors in care, or failure to provide expected services 

• General liability – protection if a client or visitor experiences injury or property damage during your work 

• Business Owner’s Policy (BOP) – bundles liability with business property coverage, insuring your equipment, supplies, and administrative space 

• Cyber liability – safeguards sensitive client health information and records from breaches or data loss 

Together, these coverages protect both your caregiving role and the business side of your work.