Protecting your home care
business through industry change

An aging population and rising medical costs ensure the home care industry will continue to evolve. With more than 20 years of expertise providing non-medical home care insurance, we’re here to protect you through it all with tailored insurance policies and dedicated service.

Companion care insurance policies designed for your business

With Lockton Affinity Home Care, you have access to all the companion care insurance policies your home care business needs.

  • Workers’ Compensation—Protects your organization from lost wages and medical costs you may have to pay to an employee who was injured on the job. Coverage is available on its own or as part of our comprehensive companion care insurance package. Pay as you go to conserve cash flow and reduce large balance swings at the time of an audit or select a weekly or monthly payment plan.

  • General Liability + Professional Liability—General Liability covers allegations of bodily and physical injury or property damage while Professional Liability protects you from claims of negligence or failure to perform professional duties.

  • Hired and Non-Owned Auto—Covers bodily injury and property damage that might occur when an employee drives on behalf of your home care business or transports a client to an appointment during their duties.

  • Theft—Covers the costs of allegations of burglary, robbery and other employee theft.

  • Sexual Misconduct—Defends your companion care business against the costs associated with a sexual misconduct claim.

  • Employment Practices Liability—Covers the costs associated with the employment process such as wrongful termination or sexual harassment.

  • Business Auto—Covers company-owned vehicles in the event they incur physical damage, cause physical damage or bodily injury to others.

  • Property—Covers the costs of damage to home care business property, such as computers, printers and equipment.

Plus, we offer a companion care insurance package with the most needed insurance policies in a convenient, affordable bundle. See what coverage will look like for your companion care business by requesting a personalized price indication.

What to expect with our companion care insurance

In addition to comprehensive insurance policy options for your home care business, we offer several benefits:

  • Singular insurance coverage options—Get Workers’ Compensation on a mono-line basis, without buying an entire companion care insurance package.

  • Flexible payment methods—Improve your cash flow by utilizing our premium installments and our pay-as-you-go option for Workers’ Compensation insurance coverage.

  • Dedicated support—Receive guidance and support from our dedicated account managers who understand the risks and challenges home care businesses face.

  • Exclusive access—Lockton Affinity Home Care teamed up with Beazley, an A-rated insurance provider, to service companion care businesses like you. You cannot get Lockton Affinity’s tailored home care policies anywhere else on the market.

  • Broad availability—Insurance for companion care businesses or personal care businesses that serve clients 55 and above in the clients’ home anywhere in the U.S.

Plus, an extensive resource center

Access our resource library of blogs, safety courses, videos and flyers to help reduce claims, improve your home care business’s safety and understand the importance of insurance for caregivers.

Contact us

If you have questions about the Lockton Affinity Home Care Insurance Program or general questions about non-medical home care insurance or insurance for caregivers, please complete the form or contact us at or (800) 723-9624. Phones are answered Monday through Friday, 7 AM to 5:30 PM (CST).

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