What Insurance Coverage Do I Need When It Comes to Caregiver Driving on the Job?

Stephen Tweed | March 1, 2013 | Newsroom
One of the most frequently asked questions is,  "What insurance do I need when my caregivers are driving for a client?"Since this topic is so common we went to an old friend and expert, David Dickie of The Solutions Group and asked him a few questions. We wanted to clarify for our readers what constitutes…


One of the most frequently asked questions is,  
What insurance do I need when my caregivers are driving for a client?”

Since this topic is so common we went to an old friend and expert, David Dickie of The Solutions Group and asked him a few questions. We wanted to clarify for our readers what constitutes on the job driving. 



According to David, from a home care perspective, on the job driving typically falls into one of the following categories:

1. Driving from one client’s home to another.
2. Driving on behalf of a client (to pick up something or drop off something).
3. Transporting a client.

Typically, the commute from home to the first patient is NOT considered on the job. However, driving between patients’ homes or transporting patients is clearly on-the-job.

So, when planning how to protect your agency, your employees and your clients, make sure your insurance coverage takes these conditions into consideration.

Another question we get quite often is should the client’s car or the caregiver’s car be used? David had the following to say on this question. “From a coverage perspective, it does not matter. However, from a ‘loss control’ perspective, it is much better to take the client’s car for two reasons:

1. The client typically has a nicer, safer and better maintained vehicle than the caregiver.
2. The client assumes some risk by lending his/her car to a caregiver to drive. That perceived assumption of risk helps in the event of a claim.”

David also recommends doing a motor vehicle records check on your employees to avoid a “Negligent Entrustment” claim.

For more information on this or any of the questions addressed above please feel free to contact David Dickie at the The Solutions Group for clarification on the issues discussed above or if you need help with your insurance coverage.

Stephen Tweed
Stephen Tweed is among the top Thought Leaders in Home Care today. As an industry researcher, author, and executive coach, he has worked with owners and CEOs of companies in the top 5% of Home Care and is a frequent speaker at Home Care association conferences and corporate meetings across the US and Canada.

Related Posts

Shared Vision Can Change Your Life

August 21, 2025
This past week, I was in Fort Myers, FL leading an Executive Strategy Retreat for a wonderful family-owned Home Care company. We spent a full day using the storyboarding technique from the Walt Disney organization to stimulate creativity, make ideas visible, and craft a five-year vision for the company. We then dug into detail as we defined…

Corporate Culture in Home Care

August 7, 2025
I've been thinking a lot about Corporate Culture in Home Care For the past few weeks, I've been deeply immersed in the final preparation for the start of school. As you may have heard, I recently accepted a position as Adjunct Instructor of Corporate Culture in the Master of Arts in Communication and Business Leadership at High Point…

Appreciation and Recognition

July 31, 2025
This past Tuesday evening I was in Scottsdale, AZ for the annual CPAE Speaker Hall of Fame Awards, and the Cavett Award, presented by the National Speakers Association. This is the final formal banquet that brings to a grand finale the annual convention of NSA. The National Speakers Association is a society of experts who speak professionally. These are some of…