Common questions about Caregivers
Answering the most frequently asked questions about Caregivers.
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.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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