Risks of Hiring Private vs. Agency

If you hire a caregiver directly to save money, the caregiver is really an employee. That exposes you to all expenses, liabilities and risks of having an employee. Caregivers who work the hours you specify, follow your directions, and use your home and equipment (e.g., dishwasher, washer & dryer, vacuum, kitchen and household equipment) are legally your employees. Read below to understand the risks involved of hiring a caregiver privately vs. agency. 

Hiring a Private or Agency Caregiver for Senior Care

When you’re deciding how to care for your loved ones, one of the most important decisions you’ll make is who you will hire to assist with daily activities, provide nursing in-home or administer medications. Caregivers often become a significant part of daily life for seniors and those with disabilities, helping with everything from grocery shopping to important therapy. That’s why you should have all the information available before deciding whether to hire an agency caregiver like those at Loving Home Care Services or to hire a caregiver privately.

Liability Differences for Private and Agency Caregivers

One of the most significant differences between hiring a private caregiver versus hiring an agency caregiver through Loving Home Care Services in Vancouver is the liability issues you may face. When you hire a private caregiver without an agency, that caregiver becomes your employee, exposing you to all of the liabilities, risks and expenses associated with having an employee.

If you hire a private caregiver:

  • You are liable for damages if they are injured on the job unless you have workers compensation insurance.
  • You will have to withhold taxes, CPP and E.I. from your employee’s income.
  • Your insurance may or may not cover losses in the event that a caregiver takes valuables from your home.
  • Your insurance may or may not compensate you if your caregiver provides poor care.

Conversely, if you hire a caregiver through Loving Home Care Services, we will take care of all of these issues. Instead of being your employee, the caregiver is an employee of our agency. We cover workers compensation insurance for you, so a caregiver cannot hold you liable for any expenses incurred from injuries on the job. We also take care of withholding taxes from our caregivers’ paycheck, and we thoroughly screen all of our caregivers to do our best to ensure none of them will take something from your home. In the rare event that occurs, however, our insurance will cover making you whole. Our insurance also provides compensation to clients for injuries resulting from poor caregiving.

While hiring a private caregiver can sometimes appear to be the cheaper, easier option, the extra expenses, uncertainty and hassle from having them work as your employee often cancels out the potential savings. Hiring a caregiver through a trusted agency like Loving Home Care Services will help you avoid the hassle and cover you in the rare event that something goes wrong.

Hire Reliable, Experienced Caregivers

Here at Loving Home Care Services, we have more than 20 years of experience providing in-home care in the Vancouver area. We pride ourselves on helping seniors stay in their homes and providing high-quality care in a safe and dignified manner.

Unlike with the unknowns of hiring a private caregiver, you can trust that all of our caregivers are licensed and bonded and have passed thorough background checks. We help you customize your care to your desires and ensure we find a wonderful caregiver who matches your needs.

If you want to learn more about our trusted in-home care services, call us today at 604.926.8403

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