Question 1

What is covered by the liability insurance?

Accepted Answer

The insurance covers exclusively property damage that occurs during care activities. This includes damage to furniture, electronics, floors, walls and other items in the household of the cared-for person.

Question 2

Who is insured?

Accepted Answer

Insurance coverage applies exclusively to the caregiver during the exercise of their care activities mediated through CAIR. Families and cared-for persons are not insured under this policy.

Question 3

What is not insured?

Accepted Answer

Not covered are legal protection, damage to vehicles, as well as insured trips, including travel to and from.

Question 4

How do I report a claim?

Accepted Answer

Claims must be reported immediately via the CAIR website form. We then process the claim together with our insurance partner ERGO.

Question 5

Does insurance coverage cost extra?

Accepted Answer

No, insurance coverage is automatically included in all care services mediated through CAIR and incurs no additional costs.

Question 6

Who is the insurance partner?

Accepted Answer

Our insurance partner is ERGO Insurance, a leading German insurer with years of experience in liability insurance.

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