General Liability for Georgia Home Care Agencies
Not all liability coverage is the same. General liability responds when your agency causes injury or property damage to someone — a fall, a fire, a broken heirloom. Professional liability responds when the care itself goes wrong. Your agency needs both, and this page covers the first.
Your employees work inside other people’s homes every day — which means your agency’s exposure lives inside other people’s homes too. General liability is the foundation of a Georgia home care insurance program: it responds when your business operations cause bodily injury or property damage to someone other than your employees.
What It Covers in Home Care
- A caregiver knocks over and breaks a client’s belongings, damages flooring, or causes a kitchen fire while preparing a meal.
- A visitor trips over equipment your caregiver placed in a walkway.
- A client’s family member is injured in an incident connected to your agency’s operations.
- Claims of property damage arising from services in the home.
Georgia’s PHCP licensing application requires proof of general liability coverage, so for a Georgia agency this line is both a legal prerequisite and practical protection. And because claims in the home rarely sort themselves neatly into “general” or “professional,” we place general liability and professional liability together, as one coordinated program — see our Georgia professional liability page for the other half of that pairing.
Whether you are licensing a new Georgia agency or reviewing an existing program, start with one form — or send us your current declarations pages and we will tell you what we see.