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So far Lockton Affinity, LLC has created 37 blog entries.

Preventing Caregiver Theft and Protecting your Business’s Reputation

Like you welcome caregivers to your business with the expectation of trustworthiness and honesty, your clients welcome caregivers into their home with an expectation of the same.

Unfortunately, claims of theft occur frequently. Whether caregivers actually commit the theft or clients make allegations without certainty, claims of theft are some of the most common claims against home care businesses. Consider these real claim

November 29th, 2022|Uncategorized|

Bed Bugs, Burn Marks and 15 Other Unusual Home Care Claims

There are many claims that fall outside the norm. From allegations of stealing credit cards to spreading lice to damaging heirloom furniture, when it comes to home care business claims, anything can happen.

If these claims seem far-fetched, consider these 15 unusual claims from real home care businesses.

15 Unusual Home Care Claims


  1. Caregiver experienced a bed bug infestation after working for a client.

October 13th, 2022|Uncategorized|

Protecting Your Home Care Business against the Impact of Inflation

Gas prices, labor costs, supply chain disruptions, the impact of inflation. Not only is the average consumer experiencing these challenges, businesses are too.

According to a recent survey by the U.S. Chamber of Commerce, one in three (33%) small business owners now rank inflation as their highest concern. And in response to those concerns, 67% of small business

July 26th, 2022|Uncategorized|

Who is Responsible for Vehicle Damage?

Common Vehicle Claims and Understanding Auto Coverage for Home Care Businesses

As a home care business owner whose employees drive on the business’s behalf, vehicle incidents can be complex. Depending on which vehicle was being driven, which vehicle was damaged and if anyone was injured, your business insurance, the caregiver’s personal auto insurance or the client’s personal auto insurance may be responsible for

June 29th, 2022|Uncategorized|

Common Home Care Business Claim Examples

There are numerous common claim risks home care businesses face. From accusations of theft against caregivers to workers’ compensation injuries, claims against home care businesses can vary greatly in severity and damage.

Read on to learn 4 common home care business claims and how you can protect your business against them.

Common Home Care Business Claims – Auto Liability

As a home care franchise owner

June 9th, 2022|Uncategorized|

Workplace Injuries and their Impact on Mental Health

Being a home care worker can be physically and emotionally demanding. Compared to other industries, occupational injury risk is high, and the hazards are unique.

In fact, the U.S. Bureau of Labor Statistics states that personal care and home health aides are 62% more likely to suffer overexertion injuries than the typical worker. That’s why workers’ compensation for your business

March 22nd, 2022|Uncategorized|

Common Caregiver Injuries and How to Prevent Them

Home care providers can have high risk of insurance claims compared to other industries, especially related to employee injury.

According to the U.S. Bureau of Labor Statistics:

  • Personal care and home health aides are 62% more likely to suffer overexertion injuries than the typical worker.
  • Home health aides and home nursing assistants face 5x to 7x the risk of injury from violence on
March 2nd, 2022|Uncategorized|

A Brief History of Insurance

“Don’t put all your eggs in one basket” is a very old saying and, in many ways, it’s still the basis for the modern insurance that helps protect your business. Insurance began with people seeking to control the dangers they faced by spreading out the risk among larger groups of people and making agreements to help one another in the case of

January 20th, 2022|Uncategorized|

Preventing Employment Claims through Hiring and Firing Tips

Business cycles come and go. All the same, companies must make important decisions about hiring and firing without putting themselves at excess risk and preventing employment claims.

As a home care business, your company’s employment practices can be a source of risk. Every day, workers file lawsuits against their employers, with many employment claims targeting smaller businesses in the industry.

By taking the right

January 3rd, 2022|Uncategorized|

5 Times Professional Liability Insurance Can Save You

Professional Liability insurance is coverage meant to protect your business from a client’s claims of negligence and failure to perform professional duties as required. This is must-have coverage in an industry where mistakes can be costly for clients and home care businesses.

There are many situations your business and employees may find yourselves in where a professional liability claim could be filed. Here

December 2nd, 2021|Uncategorized|