Question for the VT/NH crowd: how big of a deal is it that caregivers are insured and background-checked? We tried a private sitter for my mom last year and she was kind, but we never saw any paperwork and it stressed us out—what if she slipped on the porch or a wallet went missing by accident? Now we’re leaning toward an agency like TLC HomeCare where vetting is standard. If you’ve gone that route, what proof did you ask for and did it actually give you peace of mind?