Home care business insurance in Georgia.
Georgia will not license your agency until you show proof of general and professional liability, so coverage here is not an afterthought. It is part of the application. We handle that piece and everything after it: workers' comp, abuse and molestation, and the aides driving their own cars between clients. Zero agency fees, ever.
Six policies, and the order Georgia makes you think about them.
Two of these exist because the state asks for them before it will license you. The other four exist because of what happens in a client home when nobody else is watching.
Professional liability
Georgia wants proof of it before it licenses you, and referral sources ask for it by name. It answers for the care itself: a care plan not followed, a medication reminder missed, a decline in condition nobody escalated.
General liability
The ordinary accidents: a lamp knocked off a side table, a client who goes down during a transfer, a family member who slips in your office. Georgia asks for proof of this one alongside professional liability, so the two travel together here.
Workers' compensation
Generally required once you regularly employ three or more people, and part-timers count. If you are incorporated or an LLC, officers and members count toward the three even when they waive coverage for themselves.
Abuse & molestation
Georgia fingerprints your administrator, your owners, and your direct care staff through GCIC and the FBI before it licenses you. Screening lowers the odds. It does nothing about an allegation. Standard forms often exclude this or hide a small sublimit, so we read the endorsement, not the certificate.
Hired & non-owned auto
Georgia aides cover real ground between clients, and the distances outside metro Atlanta are not small. If one causes a wreck on your clock, your agency gets named in the claim and their personal auto policy will not answer for your business.
Employee dishonesty & crime
Medications, jewelry, a checkbook on the counter, and your caregiver as the only person in the room. When a family says something went missing, this is what answers, and Georgia payor and franchise agreements often name it directly.
What Georgia home care owners should know.
Georgia runs home care through the Private Home Care Provider license, issued by the Department of Community Health under the rules at Chapter 111-8-65. Nobody operates without one. The part that catches owners out is that the application itself asks for proof of general and professional liability insurance, alongside background checks on the administrator, the owners, and direct care staff, and an administrator with documented management experience in a health field. Put the coverage in place before you file rather than after, because the licensing file waits on it.
Workers' comp lands sooner in Georgia than most owners expect. Coverage is generally required once you regularly employ three or more people, and part-time staff count toward that number, which is exactly how caregiving is staffed. If your company is incorporated or an LLC, officers and members count toward the three as well, and waiving coverage for an officer does not lower the count. A caregiver you pay on a 1099 who carries nothing of their own can still land on your audit as an employee. If you also operate in South Carolina, the threshold there is four, and we cover that on our South Carolina home care insurance page.
Carrier appetite is the other thing that moves a Georgia quote, and it moves on what kind of care you actually deliver. Companion and personal care, private duty, and skilled nursing classify and price differently, and a carrier happy with non-medical work may decline the same agency the week it adds a nurse. Two things help. Tell us the service mix honestly up front, and send us any insurance requirements a payor, franchisor, or referral source has handed you, so the policy gets built to match the contract rather than the other way around.
- Coverage written to satisfy the DCH licensing file, not just the claim
- Abuse and molestation endorsement read line by line, not assumed
- Certificates issued same day, in the form the DCH application expects
- New Georgia agencies welcome, including first-year startups
Carriers that want home care
Appetite for this class moves constantly, and a carrier happy with companion care in Georgia may decline the same agency the week it adds skilled services. Knowing who is open right now is most of the job.
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Georgia home care insurance questions, answered
What insurance does a home care agency need in Georgia?
General and professional liability come first, because Georgia asks for proof of both before it will issue your Private Home Care Provider license. From there, add abuse and molestation coverage, workers' compensation once you regularly employ three or more people, hired and non-owned auto if caregivers drive their own cars, and employee dishonesty coverage for staff working alone in client homes.
Does Georgia require insurance to get a home care license?
Yes. The Private Home Care Provider application filed with the Georgia Department of Community Health asks for proof of general and professional liability insurance, along with criminal background checks and an administrator with documented management experience in a health-related field. We issue the certificate in the form the licensing file needs, usually the same day.
Do I need workers' comp for my caregivers in Georgia?
Generally yes, once you regularly employ three or more people. Part-time staff count toward the three, and if your business is incorporated or an LLC, officers and members count as well, even if they waive coverage for themselves. Home care is staffed almost entirely on part-timers, so most agencies reach three sooner than they expect.
Is abuse and molestation coverage really necessary?
It is the coverage we check first on a Georgia agency, and the one most often missing. Georgia already requires GCIC and FBI background checks on your direct care staff, which helps with hiring and does nothing once an allegation is made. Many liability policies exclude the exposure outright or cap it far below the policy limit. Send us your current policy and we will tell you what the real limit is.
My caregivers drive their own cars between clients. Am I covered?
Not automatically, and this is the gap Georgia owners are most often surprised by. A caregiver driving between clients is working, so an at-fault wreck can pull your agency into the claim, and their personal policy protects them rather than your business. Hired and non-owned auto closes it, costs little, and we include it in Georgia home care quotes by default.
I am just starting my agency in Georgia. Can I get coverage?
Yes, and starting before you file is the right order. Several of our carriers write first-year home care agencies, and because Georgia wants proof of general and professional liability with the license application, most new owners need the policy in hand to finish the paperwork. Call or text 803-848-0089 and we will get the policy issued in time for your filing.
Are you licensed in Georgia?
Yes. Griffin Insurance Agency is licensed for property, casualty, and commercial lines in Georgia, North Carolina, and South Carolina, and we place Georgia home care agencies with carriers appointed in the state. We are based in Sumter, South Carolina, and quotes, certificates, and policy changes are handled by phone, text, or online.
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Based in Sumter and licensed across South Carolina. We serve Sumter, Manning, Camden, Bishopville, Lugoff, Columbia, Florence, and every county in between.