Do I need insurance to help an elderly friend?
I have an independantly living older friend that I take to lunch and run errands for a couple of times a week. She lives in her own apartmant on a campus that also has an assisted living facility and nursing care center. Their home health service goes in every morning and makes sure she takes her meds and makes her breakfast. She has early signs of dementia. She likes me to just get her off "campus" for awhile and help her with small things at the apartment. The facility says I need liability and workmans comp insurance to be doing these things with her. We live in PA. Do I need these insurances to be helping an elderly friend? Thank You