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Phone: 877-977-4474 | Fax: 610-254-1855
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Gateway Specialty Insurance has top rated markets to quote package or monoline insurance for a caregiver.


Get a quote for caregiver service or organization by completing an application.


Coverage for a caregiver service or organization can include:

General Liability

Directors & Officers Liability

Employment Practices Liability

Abuse and Molestation

Special Events

Crisis Intervention

Professional Liability



Equipment Breakdown

Business Income


Employee Benefits Liability

Blanket Additional Insureds

Cyber Liability




Policy highlights can include:

  • Defense outside limits
  • Separate or shared limits for psychiatrists, psychologists and other MD/mid-levels professionals
  • Industry leading broadening forms
  • Broad definition of who is an insured
  • Easy access to brokers
  • Underwriting expertise with limited customer distribution
  • Ability to provide admitted and non-admitted terms
  • Coverage can be written claims-made or occurrence
  • Risk management services
  • Separate limits for General Liability, Professional Liability and Abuse and Molestation
  • In-house claims experts


Caregiver claim examples

Professional Liability Claim:
A Registered Nurse administers a pain relieving intravenous drug to an elderly patient. The patient has an allergic reaction, causing them to break out into a painful rash. The patient’s family is upset and sues for pain and suffering.

Abuse and Molestation Claim:
A man who is volunteering as a caregiver receives consent to take a woman he is helping on a trip. During the trip, the woman is sexually molested. The woman’s family sues the organization’s Abuse and Molestation coverage for bodily injury and mental duress.

Hired/Non Owned Auto Claim:
Holly is a caregiver working for an abuse shelter organization that provides companionship to victims of sexual abuse. While Holly is driving a client for a visit to the doctor’s office she fails to yield at a stop sign and strikes another vehicle. The client sustains a severe bodily injury and sues Holly’s personal auto policy. It turns out that the claims amount will ultimately exceed Holly’s personal auto limits and a secondary claim is made against the Hired/Non-Owned policy of the nonprofit religious outreach organization.

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