@SCHEW
Maybe I missed something, bit why would an agency be the one responsible for an Insurance policy transfer? Are they also an Insurance agent and this was part of your agreement?
I believe these are two different operational government licenses required from the government.
There are so many different Helper packages, why would you not shop around for something that is both reasonably priced and good coverage? A Helper agency does not seem like they would offer a comprehensive list of options for choice.
Of course, if your agency agreement was for them to transfer coverage to new helper for you and they did not change until 3 months later, they would be the responsible party for not taking care of this admin error should she have had an accident.
Also why did the Amah Search find you another helper? Didn't you choose one for yourself?