---
title: "What Is Bonded and insured caregiver? Home Care Glossary"
description: "A bonded and insured caregiver works for a business that carries a bond and liability insurance. A bond can repay a client for theft or loss. Insurance can..."
url: https://homecare.preview.multisites.ai/glossary/bonded-and-insured-caregiver/
publisher: HomeCare.com
phone: 800-974-3458
start: https://care.homecare.com/?source=homecare.com
---

Caregivers and credentials

# Bonded and insured caregiver

A bonded and insured caregiver works for a business that carries a bond and liability insurance. A bond can repay a client for theft or loss. Insurance can cover certain accidents or damage. The agency usually holds the coverage, not the individual caregiver. Policies and limits differ.

## Why it matters for your family

Families often hear these words together, but they do not mean the same thing. AARP lists bonding, meaning cover against theft or loss in the home, as a question to ask an agency. It also notes that an independent caregiver generally does not come with bonding or liability coverage. Ask for proof of coverage and read what it includes. A common mistake is to treat bonding as a background check. It is not one. Insurance for a caregiver's own injury is a different policy, called workers' compensation. If you hire someone directly, ask your own insurer which risks your policies cover.

Source: [aarp.org](https://www.aarp.org/caregiving/home-care/hiring-caregiver/)

[Read more: How to Get Started with Hiring In-Home Care](https://homecare.preview.multisites.ai/home-care-resources/hiring-in-home-care/)

## Related terms

-   [**Workers' compensation for caregivers**Workers' compensation is insurance that pays medical costs and part of lost wages when an employee is hurt at work or gets a work-related illness.](https://homecare.preview.multisites.ai/glossary/workers-compensation-for-caregivers/)
-   [**Licensed home care agency**A licensed home care agency is a business that holds a state license to provide care in people's homes.](https://homecare.preview.multisites.ai/glossary/licensed-home-care-agency/)
-   [**Background check**A background check is a review of a person's records before hiring.](https://homecare.preview.multisites.ai/glossary/background-check/)
-   [**Private duty caregiver**A private duty caregiver is a non-medical caregiver paid directly by the family or through an agency to provide one-on-one help at home.](https://homecare.preview.multisites.ai/glossary/private-duty-caregiver/)
-   [**W-2 employee versus 1099 contractor**A W-2 employee works under the employer's direction and has taxes withheld by the employer.](https://homecare.preview.multisites.ai/glossary/w-2-employee-versus-1099-contractor/)
-   [**Home care agency**A home care agency is a company that employs or contracts caregivers and sends them to clients' homes.](https://homecare.preview.multisites.ai/glossary/home-care-agency/)

[All glossary terms](https://homecare.preview.multisites.ai/glossary/)

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