Client Property Theft and Caregiver Theft Insurance for Missouri Home Care Agencies

Every franchise and independent home care agency in Missouri should carry this coverage, licensed or not.

Caregivers working alone in private homes bring a theft exposure into each one. Many clients live with memory loss or cognitive decline, and that may lead to theft accusations with no basis in fact. A Missouri agency sending caregivers into homes without supervision may carry this risk on every visit.

Missouri's Dishonesty Requirement, and How We Write It

Agencies that contract with MMAC for Medicaid in-home services must carry an employee dishonesty bond covering staff who work in participants' homes. We write that requirement as third-party theft of property coverage, not as a bond. Many bonds carry a conviction clause: the bond pays only after the caregiver is proven guilty and convicted. In home care, that bar may be almost impossible to clear. A client may not remember whether an item was given away or misplaced, and many people pass through a home where care is provided.

That is why we offer third-party theft coverage that includes mysterious disappearance. It is built to pay in the situations home care agencies actually face. Our years in this industry are why we understand the difference.

Private-pay agencies in Missouri face no bond requirement at all, so nothing stands between a theft claim and the agency's own cash unless you buy this coverage. When a franchisor or referral source asks a Missouri agency for proof of theft coverage, they usually mean a theft policy, not a bond.

Goodwill Client Hours

Sometimes an agency compensates a client without real proof a caregiver took anything, simply to keep the relationship. This coverage can help in those situations.

Third-party theft covers theft by an employee acting alone or with others. Limits vary by policy but generally run from $25,000 to $100,000, with a deductible of $500 to $1,000.