Professional Liability for Georgia Home Care Agencies

Professional liability responds when the care itself is questioned — a mistake, an oversight, a medical incident. General liability covers accidents and property damage in the home. Two different claims, two different policies — and confusing them is how agencies discover coverage gaps mid-claim.

Georgia’s licensing rules make this one simple: your Private Home Care Provider application requires proof of professional liability insurance. But “having a policy” and “being covered” are different things — and in home care, the gap between them is where agencies get hurt.

What It Covers

Professional liability responds when your agency is accused of a mistake in the care itself: a missed medication reminder that leads to hospitalization, a care plan that wasn’t followed, a wound or infection not recognized in a timely manner, supervision that a family says fell short.

A home care agency needs both professional and general liability, and we recommend these are written with the same carrier. We place these two coverages together, with the same carrier, on every program we build — it is the only way to eliminate the gap between them.

Beware of These Coverage Limitations

• Absolute communicable disease exclusions — this exclusion eliminates coverage for all communicable diseases that could be transmitted by your caregivers in a client’s home, including but not limited to coronaviruses, rhinovirus, influenza and colds, HIV, tuberculosis (TB), salmonella and E. coli, and ringworm.
• Abuse and molestation allegations — often sub-limited; in home care, an allegation can arise from a confused client or a family dispute, and defense costs can be devastating.
• 1099 & Independent Contractors — Misclassification exposes agencies to serious financial liabilities, insurance coverage gaps, and penalties that can lead to insolvency. Explore our full resource section for practical insights and compliance strategies.

These aren’t hypotheticals — they’re the fine print we read for a living. When we build a Georgia professional liability program, we go through the exclusions with you, in plain English, before you buy.

For New and Growing Georgia Agencies

If you are applying for your first PHCP license, we can structure coverage that satisfies the Department of Community Health’s application requirements without overbuying before you have clients. If you are established and growing, we will review what you have — our clients regularly discover their “complete” program has holes their previous agent never mentioned. Request a quote or send us your current policy for a no-obligation review.