Licensed, Bonded, and Insured
Protection you can count on. Peace of mind guaranteed.
Why choosing a licensed home care agency in San Diego matters.
Choosing a licensed home care agency in San Diego isn’t just about quality caregivers. It’s about protection. It’s about knowing that when you invite someone into your home to care for your most vulnerable loved one, you’re protected from liability, financial risk, and legal complications.
At All Heart Home Care, every caregiver is registered, bonded, and fully insured. This isn’t just a checkbox we mark—it’s a foundational commitment to protecting our clients and their families from the risks that come with in-home care. Because when accidents happen, disputes arise, or the unexpected occurs, you shouldn’t be the one left holding the burden.
The hidden risks of unlicensed caregivers.
Many families hire private caregivers directly, thinking it will save money. What they don’t realize is that they’re exposing themselves to significant financial and legal risks.
When you hire a caregiver privately—outside of a licensed San Diego home care agency—you become their employer. And with that comes responsibilities most families never anticipate:
Workers' compensation liability
If your caregiver is injured in your home, you could be held financially responsible for medical bills, lost wages, and legal fees.
Unemployment insurance obligations
You’re required to pay state unemployment insurance (EDD) for household employees.
Payroll tax responsibilities
Federal and state payroll taxes become your legal obligation, including filing quarterly reports and year-end tax forms.
Theft and property damage exposure
Without bonding, you have no protection if a caregiver damages or steals your property.
Professional liability gaps
If a caregiver makes an error in care that results in harm, you have no liability coverage.
Auto insurance complications
If your caregiver drives your loved one and gets into an accident, your homeowner’s insurance may not cover it.
These risks aren’t hypothetical. They happen to families every day—families who thought hiring privately would be simpler and more affordable, only to discover the costly reality when something goes wrong.
How All Heart Home Care protects you.
At All Heart Home Care, we assume all the risk so you don’t have to. As a licensed home care agency in San Diego, we provide comprehensive bonding, insurance, and protection that private caregivers simply cannot offer.
Licensed by the state of California.
All Heart Home Care is a fully licensed home care agency, regulated by the California Department of Social Services. This means we follow strict state policies designed to protect clients, maintain quality standards, and ensure caregiver accountability.
Our licensing isn’t optional or negotiable—it’s legally required and regularly audited. When you work with a licensed home care provider in San Diego, you’re working with an agency that meets California’s rigorous standards for:
- Caregiver screening and background checks
- Ongoing training and supervision
- Client rights and protections
- Complaint resolution procedures
- Record-keeping and documentation standards
- Health and safety protocols
Unlicensed caregivers and agencies don’t face these requirements. You have no guarantee of their qualifications, training, or accountability.
Fully insured for your protection.
Every caregiver employed by All Heart Home Care is covered under our comprehensive insurance policies:
- Workers' compensation insurance — If a caregiver is injured while working in your home, our workers' compensation policy covers all medical expenses, lost wages, and rehabilitation costs. You have zero financial liability.
- Professional liability insurance — If a caregiver makes an error in care that results in harm or injury to your loved one, our professional liability coverage protects both you and the caregiver from financial damages.
- General liability insurance — If a caregiver accidentally damages your property or causes injury to a third party while working in your home, our general liability policy covers the costs.
- Auto insurance coverage — Our agency-owned and non-owned auto insurance provides coverage when caregivers transport clients. Whether they're driving their own vehicle or yours, you're protected from liability in the event of an accident.
This level of protection simply doesn’t exist when you hire private caregivers in San Diego directly. Without insurance, every risk falls on you.
Bonded against theft and damage.
All Heart Home Care caregivers are fully bonded, meaning you’re financially protected if a caregiver steals or accidentally damages your property.
Bonding provides direct financial compensation if theft or damage occurs—no lawsuits, no complicated claims processes, no out-of-pocket costs. It’s automatic protection that private caregivers rarely carry.
When you hire through a bonded home care agency in San Diego, you’re eliminating one of the most common anxieties families face when allowing caregivers into their homes.
We handle all the paperwork and legal obligations.
Beyond insurance protection, All Heart Home Care assumes all the administrative and legal responsibilities that come with employing caregivers:
- Payroll taxes — We pay all federal and state payroll taxes, including Social Security, Medicare, and income tax withholdings. You don't file a single form or write a single check to the IRS or California Franchise Tax Board.
- Unemployment insurance — We cover all state unemployment insurance (EDD) obligations. If a caregiver files for unemployment, it's our responsibility—not yours.
- Workers' compensation premiums — We pay all workers' compensation insurance premiums. You're never billed or held responsible for coverage costs.
- Tax forms and reporting — We handle all quarterly payroll reports, W-2 forms, and year-end tax filings. No forms. No deadlines. No penalties for missing paperwork.
- Compliance with labor laws — We ensure compliance with California wage and hour laws, rest break requirements, overtime rules, and all other employment regulations.
Many families who hire private caregivers don’t realize they’re legally classified as household employers until tax time arrives—or until a caregiver files a workers’ compensation claim. By then, it’s too late to avoid the financial and legal consequences.
With All Heart Home Care, you’re never an employer. You’re a client. And all the risk, paperwork, and legal obligations stay with us.
Agency employees, not independent contractors.
All employees of All Heart Home Care are W-2 agency employees, not 1099 independent contractors. This distinction is critical for your protection.
When agencies classify caregivers as independent contractors (1099), they’re often doing so illegally to avoid paying payroll taxes, workers’ compensation, and unemployment insurance. But when something goes wrong, the legal and financial liability falls on you—the client.
Our caregivers are legitimate employees. They receive paychecks with proper tax withholdings. They’re covered under our workers’ compensation policy. They’re eligible for unemployment benefits through our account, not yours. And most importantly, they’re our legal responsibility—not yours.
This is what separates a reputable licensed home care agency in San Diego from unlicensed competitors and private caregivers. We don’t cut corners. We don’t shift risk to clients. We assume full legal responsibility for every person we send into your home.
Transportation coverage you can trust.
When caregivers provide transportation services for your loved one, additional risks emerge. What happens if there’s an accident? Who’s liable if someone is injured? Does your auto insurance cover a caregiver driving your vehicle?
At All Heart Home Care, we eliminate the uncertainty:
- Valid driver's license verification — Every caregiver who provides transportation must present a valid California driver's license, which we verify and keep on file.
- Agency-owned auto insurance — Our policy covers caregivers when they transport clients in their own vehicles.
- Non-owned auto insurance — Our policy extends coverage when caregivers drive client vehicles for transportation purposes.
- Liability protection — If an accident occurs during client transportation, our insurance provides coverage—protecting both you and your loved one from financial liability.
This level of transportation coverage is virtually non-existent among private caregivers in San Diego. Without it, a single car accident could expose you to catastrophic financial liability.
The All Heart commitment to protection.
Being licensed, bonded, and insured isn’t just about meeting legal requirements. It’s about keeping a promise to every family we serve: that when you trust us with your loved one’s care, we’ll protect you from every risk we can. That’s the promise of working with a licensed home care agency in San Diego that puts your family first.
We don’t ask you to become an employer. We don’t shift legal obligations onto your shoulders. We don’t leave gaps in coverage that could devastate your family financially.
We assume the risk. We handle the paperwork. We provide the protection. So you can focus on what matters—spending quality time with your loved one, knowing they’re safe, cared for, and protected.
Why choose a licensed home care agency in San Diego?
When you work with All Heart Home Care, you’re choosing:
- Full legal protection — Licensed, bonded, and insured coverage that eliminates your liability
- Zero paperwork burden — We handle all payroll taxes, forms, and legal compliance
- Workers' compensation coverage — You're never liable for caregiver injuries
- Professional liability protection — Coverage if errors in care occur
- Bonding against theft — Financial protection if property is damaged or stolen
- Transportation insurance — Coverage during all client transport
- State-regulated standards — Accountability to California's licensing requirements
- Peace of mind — Knowing you're fully protected, legally and financially
This is what you get when you choose a licensed home care agency in San Diego
Don't risk it. Protect your family.
Hiring a caregiver is one of the most important decisions you’ll make for your family. Don’t let cost savings tempt you into taking on risks you never anticipated. Working with a licensed home care agency in San Diego means your family is fully protected — legally, financially, and personally.
All Heart Home Care provides the protection, licensing, and insurance coverage your family deserves—at a price that’s fair, transparent, and worth every penny of peace of mind.
Call 619-736-4677 to learn why families choose All Heart as their licensed home care agency in San Diego for complete protection.
Because when it comes to your loved one’s care, protection isn’t optional. It’s essential.