Home Care Agency Insurance in Georgia
Georgia is one of the fastest-growing home care markets in the Southeast — and one of the most regulated. Before a franchise or independent home care agency serves a single client, Georgia requires a state license, and proof of liability insurance is part of the application. If you own a home care agency in Georgia, your insurance program is not just protection. It is a condition of doing business.
Chamberlin & Reinheimer has specialized in insurance for home-based care for decades. We know what insurance coverages Georgia requires for licensing and — most importantly — what protects you when a claim occurs. Any agent can sell you a policy. We help you build an insurance program that satisfies the state, your referral sources, and your certificate holders.
Georgia Licensing & Insurance Requirements
Franchise and independent home care agencies in Georgia are licensed by the Department of Community Health’s Healthcare Facility Regulation Division under the state’s Rules and Regulations for Independent or Franchised Home Care Providers (Chapter 111-8-65, authorized by O.C.G.A. § 31-7-300). No agency may operate without a license or provisional license.
The licensing application requires, among other items:
- Proof of general and professional liability insurance
- Criminal background checks for owners, administrators, and direct care staff through Georgia’s GCHEXS system
- Written policies and procedures covering admissions, client rights, infection control, and abuse reporting.
- An administrator with documented management experience in a health-related field
Home health agencies and hospices in Georgia face an additional hurdle: The need to provide a certificate of Insurance. That is one reason many Georgia operators begin with a home care agency license and expand later. Whichever path you are on, the insurance the state requires and the insurance your agency needs are not the same thing — the state sets a floor, not a strategy.
Coverage for Georgia Home Care Agencies
C&R can provide the insurance coverages Georgia requires — the key coverages are below. Most agencies carry a package (liability, auto, property) and workers compensation — and we will tell you plainly which lines your operation needs.
Workers Compensation
Required for Georgia employers with three or more employees — coverage that protects your caregivers for work-related injuries.
Learn moreProfessional Liability
To protect your agency — and the coverage your Georgia license application requires.
Learn moreGeneral Liability
To protect your agency — and the coverage your Georgia license application requires.
Learn moreHired & Non-Owned Auto
To protect your agency when your caregivers drive their own vehicles in the course and scope of your business.
Learn moreClient Property Theft
Protection when an employee is accused of theft or mysterious disappearance of a client's property in a client's home.
Learn moreAbuse Coverage
Often sub-limited in standard policies; we make sure it is addressed.
Learn moreEmployment Practices Liability
Coverage for claims brought by employees and clients against their employer.
Learn moreCyber Liability
Covers data breach and cyber extortion; could become a hidden financial catastrophe if not addressed.
Learn moreProperty Insurance
Covers the business property you own or lease: laptops, computer systems, phones, copiers, and scanners.
Learn moreSurety Bonds
Only certain states require these; Georgia is not one of them.
Why Georgia Agencies Work with Us
We have specialized in healthcare insurance for 50 years, and we hold memberships in home care associations across the country — including the Georgia Association of Community Care Providers. Our clients tell the story better than we can: agencies that cut premiums dramatically, resolved problems other brokers created, and found an agent who understands home care as a business, not just a policy type.
Frequently Asked Questions
What insurance does Georgia require for a home care license?
Proof of general and professional liability insurance is part of the licensing application for franchise and independent home care agencies in Georgia, alongside criminal background checks through the state’s GCHEXS system, written policies and procedures, and an administrator with documented management experience in a health-related field. Separately, Georgia law requires workers compensation for most businesses with three or more employees, including part-time staff.
Does Georgia require a surety bond for a home care agency?
No. Georgia does not require a surety bond for a home care agency license. If a franchisor or a referral source asks a Georgia agency for proof of theft coverage, they are almost always asking for a third-party theft policy, not a bond — and that distinction matters, because bonds typically carry a conviction requirement and third-party theft coverage does not.
How do I know if my broker actually understands home care?
Ask two questions. Does the policy they placed carry an absolute communicable disease exclusion on the professional liability section? Do they provide written loss-control policies and procedures to help prevent and limit claims?
A generalist broker may place a package and move on. The exclusions they did not read are the ones that surface after a claim, and by then the renewal is the least of your problems.
Chamberlin & Reinheimer places coverage for franchise and independent home care agencies, and provides free loss-control policies and procedures to every agency we write.
Get a Georgia Home Care Insurance Quote
Get a Georgia quote: complete one form, and we will come back with coverage built for how Georgia agencies operate — or call us and talk to a person who knows the industry.