Your best protection against suit due to injury of a caregiver is a massive umbrella policy, which is quite inexpensive on the face of what home insurance costs.
You should also consider in future hiring through and agency where part of the bump up in cost is the fact that the caregivers have workmen's comp insurance in the case of injury.
We are merely a bunch of caregivers. I would speak with experts in the field when you need expert advice. Speak to your insurance agent and see an attorney.
You don't give enough information: is this something you're thinking about preemptively so that you can't be sued personally for someone's injury?
Liability from your insurance will cover it, and an LLC will protect you from personally getting sued. It won't prevent your caregiver from reporting an injury... no one can stop someone from reporting an injury, nor should they. What if they were profoundly injured on your premises and could no longer work? In my state if one pays a caregiver full-time this makes you an employer and therefore you must have Workers Comp.
"Under Minnesota law, all employers – even employers with only one part-time employee – must provide workers' compensation insurance coverage for their employees, unless there is a specific exception in the law."
Of course not.
Your best protection against suit due to injury of a caregiver is a massive umbrella policy, which is quite inexpensive on the face of what home insurance costs.
You should also consider in future hiring through and agency where part of the bump up in cost is the fact that the caregivers have workmen's comp insurance in the case of injury.
We are merely a bunch of caregivers. I would speak with experts in the field when you need expert advice. Speak to your insurance agent and see an attorney.
Liability from your insurance will cover it, and an LLC will protect you from personally getting sued. It won't prevent your caregiver from reporting an injury... no one can stop someone from reporting an injury, nor should they. What if they were profoundly injured on your premises and could no longer work? In my state if one pays a caregiver full-time this makes you an employer and therefore you must have Workers Comp.
"Under Minnesota law, all employers – even employers with only one part-time employee – must provide workers' compensation insurance coverage for their employees, unless there is a specific exception in the law."
Source: https://www.dli.mn.gov/sites/default/files/pdf/infosheet_wc_insurance_home_health_care_workers.pdf
But you don't even divulge what state you're in and the laws could vary so please run it past an attorney that specializes in small business.
If this is your home and not a business, you need to speak to a lawyer for his/her advice on a LLC.