If you look on the other boards, there are a lot of discussions re:insurance... and they were CHEAP!! Those were discussions for RN's and their personal malpractice insurance, which has been emphatically encouraged throughout discussions. For limited personalized care, I believe you would just need to get your liability insurance, and have your lawyer write up for you very detailed contracts of what your services entail, with specific provisions that consider YOUR interest. I'd say be VERY careful about driving any clients in your car... I am very curious, too, about being an independent CNA, able to negotiate contracts as independent nurses do... or as you suggest, doing personalized care... I found several ads in my area that were agencies looking for cnas...so I'm wondering what that's all about, if it's possible to travel and have contracts...my family always was in florida for the winter... then in spring back up to the carolinas and michigan...