Frequently Asked Questions

Please review the list below for any questions that you may have. We have attempted to put as much detail at your fingertips to reduce the administrative costs for the program so that we can keep premiums as low as possible.

Why do I need this coverage?

In short, to protect yourself and the agency you provide services for. Agencies are contractually obligated to ensure that everyone providing services has proper liability insurance in place.

What Coverage do I need?

To protect you and to ensure you have the correct coverage to satisfy your contractual obligations to the agency you provide services for, you need a Commercial Liability Insurance policy tailored to your care provider operations. We offer a package policy with a $2,000,000 Liability limit for a minimum premium of $500.00.

How Much does a policy cost?

Most contractors pay the minimum premium of $500.00; however premiums increased for different scenarios such as larger revenues and certain mobility aids.

Can I remove some of the coverage to pay less premium?

No. The minimum premium for a policy of this type is $500.00 and the coverage that is required by your agency is included in the coverage created specifically to protect residential contractors providing services to agencies.

Can I increase deductibles to reduce premium?

No. The minimum premium for a policy of this type is $500.00 and the coverage that is required by your agency is included in the coverage created specifically to protect residential contractors providing services to agencies.

Can my home or tenants policy cover me?

No. Home or tenants’ Insurance does not usually provide protection for you if something happens arising out of the residential care of your clients. The support you provide is considered a business operation and personal property policies do not cover business ventures of this nature.

My agency has coverage, am I insured with them?

While the agency you work for has an insurance policy, the coverage does not extend to contractors.

I work for more than one Agency, do I need two policies?

It is unlikely. Unless the services you provide to the second agency differ significantly from those listed on your application, we can typically cover both agencies under one policy. Be sure to include your total income from both agencies (before any deductions) and select all services you provide when completing your application.

If your operations fall outside the available application options, we can still assist you—just not under this program. Please contact us at AB.PRG.ResidentialCareProviders@navacord.com for more information or if you have any questions.

The application asks about gross revenue. What is this?

This is the money you receive for your services without taking away any expenses or room and board that you charge. Fill in the total annual amount you receive to provide services.

Someone living with me is also providing services; can they be on the policy as well?

Yes, as long as they are living with you and also providing the same services. Please ensure their name is entered on the application form so we can include them on the policy.

My client uses a wheelchair and it is asking about maintenance. What does this mean?

The insurance company needs to ensure that you have a maintenance contract or plan of your own in place to ensure the wheelchair is in good working order. The Brake should be checked for manual wheelchair and the motor for electric wheelchair.

How can I pay for my policy?

You can do this once you have completed the application and hit submit. A payment screen comes up to pay in full via credit card.

Can I pay with e-transfer?

No.

When is my payment due?

Your payment is due at the time of application, as the process is completed in a single step to both bind coverage and submit payment.

I already had a policy with you, so you have my information. Why do I have to do this again?

Each year, your coverage resets. Reconfirming your information ensures your file remains accurate and up to date. In addition, your policy no longer renews automatically—it must be reapplied for before the expiration date to maintain good standing with your contracted agency.

Where can I get a copy of my policy if I have misplaced it?

Email AB.PRG.ResidentialCareProviders@navacord.com with your request.

I need to change my policy. I moved, I changed agencies, I need to add my adult child who moved back home – what do I do?

Email AB.PRG.ResidentialCareProviders@navacord.com with your request