Mistakes are a reality that home accessibility workers can't always escape, no matter how much planning goes into their day. One day you are cleaning the house and a painting falls off the wall, that small accident could cost you thousands of dollars out of pocket without liability insurance. Car accidents, slips and falls, property damage, along with cooking mishaps all could be grounds for a lawsuit. With general liability insurance, any unexpected legal costs, replacement fees, and payments to third parties may be covered.

Working with so many clients and long hours means that, unfortunately, there are errors made in the home accessibility industry. If you forget to buckle up a patient in your travel van and they end up hitting their arm on the inside of the car, causing bodily harm, you could be accused of negligence. With Errors and omissions insurance, your financial settlement fees could be partially or completely covered. This kind of insurance covers and costs associated with mistakes you make while practicing your profession.