Often yes. The agency's policy protects the agency first and may not defend you individually, and it ends when the placement does.
Only under workers' compensation, and only if you're an employee. Independent caregivers need to arrange their own coverage.
Often not. Personal policies can deny business use claims. Hired and non-owned auto addresses the gap and is inexpensive.
Crime coverage responds to theft allegations. Working alone in homes makes this a recurring exposure, and it is not covered by general liability.
Professional liability covers improper care allegations. Abuse allegations are usually a separate endorsement and often sublimited, so confirm that specifically.
