Home care business insurance in South Carolina.
Your caregivers work alone, in someone else's home, with people who are vulnerable. That is a risk profile no generic business policy is built for. We package workers' comp, professional liability, abuse and molestation, and the auto exposure of aides driving their own cars, for companion care through skilled home health. Zero agency fees, ever.
Built around care delivered in someone else’s home.
Most of your exposure happens somewhere you are not, performed by one person, with no witnesses. These are the six pieces that matter, and the order they matter in.
Workers' compensation
The biggest single cost for most agencies. Transfer and lifting injuries dominate the claims, and aides drive between clients all day. Generally required in South Carolina once you have four or more employees, counting part-timers.
Professional liability
General liability covers the fall. Professional liability covers the care: a missed medication reminder, a change in condition nobody escalated, a care plan not followed. Referral sources increasingly ask for it by name.
Abuse & molestation
The allegation that closes agencies. Standard liability policies frequently exclude it or bury a small sublimit, and a defense alone runs into real money. We check the wording rather than assume, because this is the one worth getting right.
General liability
The everyday claims: a caregiver knocks over a lamp, a client falls during a transfer, someone slips at your office. This is what facilities and referral partners want to see on a certificate before they send you work.
Hired & non-owned auto
Aides running between clients in their own cars, and sometimes driving clients to appointments. Their personal policy does not protect your agency, and this gap is the one owners are most often surprised by.
Employee dishonesty & crime
Your staff are alone in homes with medications, jewelry, and checkbooks. When a family alleges something went missing, this is the coverage that answers, and many contracts require it.
What South Carolina home care owners should know.
Workers' comp is where home care agencies feel the most pressure, and the math sneaks up on you. Coverage is generally required in South Carolina once you have four or more employees, and that count includes part-time staff, which is exactly how caregiving is staffed. Agencies cross four faster than almost any other industry. The injuries are predictable too: transfers, lifting, and falls in unfamiliar homes. We walk through the requirement and the penalties in detail in workers' comp for South Carolina home care businesses.
The coverage that decides whether an agency survives a bad day is abuse and molestation. It is frequently excluded from standard liability forms, or included at a sublimit far below the policy limit, and owners routinely believe they have it when they do not. Defense costs alone can be significant even when an allegation goes nowhere. We read the actual endorsement on your quote and tell you what the limit really is, rather than pointing at the certificate and calling it handled.
Carrier appetite splits hard on what kind of care you deliver. Companion and personal care, private duty, and skilled nursing all classify and price differently, and a carrier comfortable with non-medical companion work may decline the moment you add skilled services. If you use 1099 caregivers who carry no coverage of their own, South Carolina can treat them as your employees for comp purposes, which is a common and expensive audit surprise. And if a payor, franchisor, or referral source hands you insurance requirements, send them over and we will match the policy to the contract.
- Abuse and molestation limits read and explained, not assumed
- Certificates of insurance issued same day, with additional insured wording
- New agencies welcome, including first-year home care startups
- Hired and non-owned auto checked, so aides in their own cars never leave a gap
Carriers that want home care
Home care is a specialized appetite. Some carriers want companion care and decline skilled nursing entirely. We know who writes what in South Carolina right now, and that is where the pricing lives.
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Proudly serving Sumter, Columbia, Manning, Camden, Florence, Bishopville, Lugoff, Hartsville, Lexington, Greenville, Spartanburg, Myrtle Beach, and Charleston, plus all 46 South Carolina counties. See our full service area →
Home care insurance questions, answered
What insurance does a home care agency need in South Carolina?
Most agencies need general liability, professional liability for the care itself, abuse and molestation coverage, and workers' compensation once they have four or more employees. Add hired and non-owned auto if caregivers drive their own cars, and employee dishonesty coverage for staff working alone in client homes. We package these together rather than selling them piecemeal.
Do I need workers' comp for my caregivers?
Generally yes, once you have four or more employees, and South Carolina counts part-time workers toward that number. Home care is staffed almost entirely on part-timers, so most agencies cross the threshold sooner than they expect. If you use 1099 caregivers who do not carry their own coverage, the state can treat them as your employees as well.
Is abuse and molestation coverage really necessary?
For an agency sending caregivers into private homes with vulnerable adults, it is the single most important coverage to verify. Many standard liability policies exclude it outright or include it at a sublimit well below the policy limit. Even an allegation that is ultimately dismissed carries defense costs. Send us your current policy and we will tell you what you actually have.
What's the difference between general and professional liability here?
General liability responds to bodily injury and property damage, so a client falling during a transfer or a caregiver breaking something in the home. Professional liability responds to the care itself: a care plan not followed, a medication reminder missed, a decline in condition nobody escalated. Home care agencies genuinely need both, because each one excludes what the other covers.
My caregivers drive their own cars between clients. Am I covered?
Not automatically. If a caregiver causes an accident while working, your agency can be brought into the claim, and their personal auto policy does not protect your business. Hired and non-owned auto coverage fills that gap. It is inexpensive, and we include it in home care quotes by default rather than waiting to be asked.
I am just starting my agency. Can I get coverage?
Yes. Several of our carriers write first-year home care agencies, and getting the structure right at the start is much easier than fixing it after a claim. Startups usually begin with general and professional liability plus abuse and molestation, then add workers' comp as staff count grows. Call or text 803-848-0089 and we will build it around your actual plan.
Do you insure home care agencies outside of Sumter?
Yes. We are based in Sumter and insure home care and home health agencies across all of South Carolina, from Columbia and Florence to the Upstate and the coast. Quotes, certificates, and policy changes are handled by phone, text, or online.
One agency for your whole picture.
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261 Broad St, Suite A5
We're on Broad Street in Sumter, a few minutes from downtown and Swan Lake Iris Gardens, and about 15 minutes from the Shaw AFB main gate. Walk-ins welcome.
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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.