Today, we will discuss the precautions that need to be taken when employees or caretakers are driving their personal vehicles on behalf of a home health care business. This topic encompasses both insurance coverage and operational considerations.

Insurance Coverage

From an insurance perspective, it is crucial to have what is called hired and non-owned auto liability coverage. This coverage supplements the insurance for the personal vehicles of individuals who drive their cars for your business. It is important to remember that even though you do not own these vehicles, you are still responsible for them.

Operational Considerations

When it comes to operations, it is essential to treat these drivers and their vehicles as part of your fleet. This means ensuring that they have the necessary auto insurance coverage and checking their driving records.

Auto Insurance Limits

The individuals driving on behalf of your business should have auto insurance limits that meet the following requirements:

* $100,000 bodily injury per person
* $300,000 per accident limit for bodily injury
* $100,000 property damage

Driving Records

It is important to check the driving records of individuals driving for your business. Even if they are driving their personal vehicles, their driving history can reflect on your business. For example, if a driver with a DUI on their record gets into a severe accident while driving for your business, it can have long-term consequences for your reputation and liability.


It is crucial to take precautions when employees or caretakers are driving their personal vehicles on behalf of your home health care business. Ensuring proper insurance coverage and checking driving records are essential steps to protect your business and manage potential risks.

If you have questions about your current insurance program or need assistance in selecting the right coverages for your home health agency, call us at 800-231-9963 or request a quote on our Home Health Provider page. 

Our experienced team can provide guidance and help you secure a customized insurance solution tailored to your specific needs. Remember, protecting your home health agency is not just a choice, but a responsibility to those you serve.

Further Reading