Learning how to start a home care business in BC is more than just offering personal support services; it’s about understanding your legal responsibilities, setting up the business properly, and ensuring that you meet provincial regulations. In this guide, we’ll walk you through every essential step, from choosing a business structure to complying with health regulations.
Whether you’re just starting your research or already considering registering your business, this guide is built to help everyday Canadians make informed decisions with clarity and confidence.
Understanding the Home Care Industry in BC
Home care services in BC generally include non-medical assistance for individuals who want to stay in their homes as they age or recover from health conditions. Services may involve help with bathing, dressing, medication reminders, meal preperation and companionship.
British Columbia’s growing senior population is creating increasing demand for private home care services. According to BC Stats, individuals aged 65 and older are projected to represent nearly 25% of BC’s population by 2036. This signals a strong need for in-home care providers who can meet this demand safely and professionally.
Step 1: Decide Your Business Structure - How to Start a Home Care Business in BC
The first and most critical decision is choosing the right legal structure for your home care business. This determines how your business is taxed, how profits are shared and what your liabilities are.
Sole Proprietorship vs Incorporation
| Structure | Pros | Cons |
|---|---|---|
| Sole Proprietorship | Easy to set up, minimal fees | Personal liability, limited growth potential |
| Corporation | Limited liability, more credibility | Higher setup costs, more regulatory requirements |
If you’re planning to operate on a small scale or test the waters, starting as a sole proprietor may be suitable. However, many home care business owners in BC choose incorporation early on to limit personal liability, especially given the nature of caregiving services.
Youc an register or incorporate your business through official BC government portals or use third-party services like Business Canada for a more guided process.
Step 2: Register Your Business Name in BC
Every business in BC needs a unique and approved name. Even if you’re a sole proprietor, you’ll need to register your business name unless you’re operating under your legal name alone.
Name Approval and Registration Process
- Submit a Name Request through our website portal using our BC Name Request Online Tool.
- Wait for approval
- Once approval is obtained, register your business through BC Services or your service provider.
Tip: Choose a name that reflects your home care services clearly, such as “Westshore Home Support Services” or “Comfort Living Care BC.” This helps with brand trust and search engine visibility.
Step 3: Understand Licensing and Health Regulations
Private home care businesses in BC offering non-medical personal support services do not require licensing from the Ministry of Health. However, if your services include any medical care, like wound treatment, injections, or nursing, then you must be licensed under the Community Care and Assisted Living Act.
Non-Medical Support Services
- Bathing, toileting, dressing
- Light housework
- Medication reminders (not administration)
- Meal preparation
- Companionship
Important: Even though you may not need a license for personal support, you still carry liability. Be sure to clearly define your services in client agreements and train staff on boundaries
Step 4: Get Insured and Set Up Financial Systems
Operating a home care business comes with legal and financial risks. Even if you’re just starting with one or two clients, having proper insurance is critical.
Types of insurance you’ll need:
- General Liability Insurance: Protects against third-party claims.
- Professional Liability (Errors & Omissions): Covers mistakes or negligence.
- Workers’ Compensation (via WorkSafeBC) – Required if you hire staff.
Setting up Finances:
- Open a business bank account
- Use basic accounting softwares
- Consider working with a bookkeeper or accountant.
This helps you track expenses, bill clients properly, and remain compliant with tax obligations.
Step 5: Hire and Train Home Care Staff (If Applicable)
If you plan to grow your business by hiring caregivers, you need a system for hiring, screening and managing them effectively.
Recruitment Best Practices
- Require criminal record checks and references.
- Look for training in personal support or community care.
- Use employment contracts that outline roles, responsibilities and wages.
Training staff on client safety, confidentiality, and boundaries is not just good practice; it’s essential for building a trustworthy home care service.
Liability & Legal Responsibilities
Let’s say one of your employees accidentally causes a fall while assisting a client in their home. Even if the incident wasn’t malicious, your business could still face liability claims, especially if the client is injured.
This is why incorporating your business and carrying proper insurance isn’t just paperwork; it’s risk management. Youre responsible for your clients well being and for protecting your staff while they’re on duty.
As the business owner, you must also:
- Follow BC employment standards
- Meet tax and payroll obligations
- Handle confidential client information responsibly
Consult a legal professional to review your contracts and business practices if you’re unsure.
Common Myths vs Facts
| Myth | Fact |
|---|---|
| “You need a nursing license to start a home care business.” | Not if you’re offering only non-medical support services. |
| “Small home care businesses don’t need insurance.” | All businesses carry liability risks, especially in-home services. |
| “Only large agencies can be successful.” | Many small, community-based home care services thrive with personal, trusted care. |
| “You can operate under any business name.” | Your business name must be approved and registered in BC. |
Comparison Table: Sole Proprietorship vs Incorporation
| Feature | Sole Proprietorship | Corporation |
|---|---|---|
| Liability | Unlimited personal liability | Limited liability |
| Startup Cost | Low | Moderate to high |
| Ongoing Compliance | Low | Higher (filings, reporting) |
| Tax Structure | Personal tax rate | Corporate tax rate |
| Business Name Protection | Minimal | Stronger brand protection |
| Perceived Credibility | Lower | Higher |
| Suitable For | Testing idea, small scale | Long-term growth, higher risk |
Where to Register Your Home Care Business in BC
You can register or incorporate your business directly through BRC BC online. If you’re unsure about the process, BRC BC offers helpful legal and registration services to guide you through each step without missing important requirements.
They’re not a law firm, but a resource built to help Canadians like us simplify business ownership, especially in regulated sectors like home care.
Conclusion
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Frequently Asked Questions
How do I start a private home care business in BC?
Start by choosing a business structure, registering your business name, understanding health regulations, getting insurance, and hiring qualified caregivers if needed.
Do I need a license to provide home care in BC?
No, not for non-medical support services. If your services include nursing care or medical procedures, you need licensing under BC’s Community Care and Assisted Living Act.
Can I run a home care business as a sole proprietor?
Yes, but you’ll carry full personal liability. Incorporating offers better protection.
What kind of insurance do I need for a home care business?
General liability, professional liability, and WorkSafeBC coverage (if hiring) are key.
Where do I register my home care business in BC?
You can register online through BC Registries or use a service provider like Business Canada.
Can I offer medical services in my private home care business?
Only if you are licensed by the Ministry of Health and meet all staffing and facility requirements.
Do I need to hire certified caregivers?
Not legally, but hiring staff with training in personal support work or community care improves safety and trust.
Is a criminal record check required for home care workers in BC?
Yes, it’s standard practice and builds credibility with clients and families.