Yes, you are! When you pay a caregiver through Kindly Care you are automatically covered for bodily injury, property damage, and theft.
General Liability Insurance coverage helps protect a household employer’s home from property damage claims, and bodily injury claims.
We have a Commercial Insurance policy that covers all caregivers who pass our vetting process and are hired by clients. The coverage includes a $2 million General Liability insurance policy and a $100,000 bond through Lloyd’s of London (world’s largest insurance carrier).
Non-owned auto insurance
Our Commercial Liability Insurance policy also includes Non-Owned Automobile Liability Insurance.
This covers bodily injury and property damage caused by a vehicle driven by your caregiver, and it’s used for claims that are in excess of the personal auto policy.
This is also referred to as a fidelity bond; it is a form of insurance protection that covers household employers for losses that they incur as a result of fraudulent acts by caregivers or other household employees.