Hired & Non-Owned Auto Insurance for Georgia Home Care Agencies
Here is the exposure most Georgia home care agencies underestimate: your caregivers drive their own cars in the course and scope of business — traveling between your clients, running errands for clients along the way, and sometimes traveling to and from work. When one of them is involved in a serious accident during that work, the injured party’s attorney does not stop at the caregiver’s personal auto policy. They come for the agency.
Why Caregivers’ Personal Auto Policies Do Not Protect Your Agency
Your caregiver's personal auto policy is the first line of coverage in an accident — but because caregiver incomes are modest, most caregivers carry limits at or near state minimums. In a serious accident, those limits are exhausted almost immediately, and the injured party's attorney moves to the next available source: your agency. Hired & non-owned auto is what stands there when they do.
What Hired & Non-Owned Auto Covers
- Your agency’s liability when employees drive personal vehicles on agency business — travel between clients, errands, transporting clients where your model includes it, and sometimes travel to and from work.
- Defense costs when the agency is named in an auto suit — which, in serious accidents, it often is.
When Do You Need Commercial Auto Insurance?
If your agency owns vehicles, commercial auto handles those — for example, when the owners purchase vehicles through the agency, or a vehicle is provided to a key manager. Hired & non-owned covers everything you do not own but still answer for. For most home care agencies, the non-owned exposure is far larger than the owned — every caregiver with car keys is part of it.
Practical Risk Management, Not Just a Policy
We help Georgia agencies pair this coverage with sensible practices: verifying caregivers carry their own coverage at reasonable limits, checking motor vehicle records at hire, and setting clear rules for client transport. That is the pattern across everything we do — lower the risk first, insure what remains, and make sure the policy matches how your agency operates. Request a Georgia quote and we will walk your exposure with you.