Home Care Agency Insurance in Georgia
Home care is a demanding business anywhere. In Georgia, running one well means meeting Department of Community Health licensing requirements, satisfying local franchise standards, and protecting your agency against the very real claims that come with caring for people in their homes. Chamberlin & Reinheimer builds insurance programs that address all of it — whether you operate in Atlanta, Savannah, Augusta, or anywhere else in the state.
We are members of the Georgia Association of Community Care Providers (GACCP) and have specialized in insurance for home-based care for decades. That specialization matters: home care agencies face exposures a generalist commercial agent will not think to ask about, and coverage gaps that only surface when a claim arrives.
Georgia Licensing & Insurance Requirements
Georgia home care agencies operate under Private Home Care Provider (PHCP) rules administered by the Department of Community Health. Licensing has real teeth, and the insurance requirements are more specific than in many states:
- Professional liability insurance is required for licensure — and the state expects to see it, not just hear about it.
- Workers compensation is mandatory for Georgia employers with three or more employees, including part-time caregivers.
- Provider taxonomy affects your program — a PHCP providing companion services alone has different exposure than one delivering personal care or skilled nursing.
- Franchise and payer contracts layer additional coverage requirements on top of state minimums; we ensure your program meets both.
If you are still working through licensure, we can structure a program that satisfies the DCH application without over-buying before you have clients. If you are established, we will review what you have — and be honest about what is missing.
Coverage for Georgia Home Care Agencies
Eight core coverages we place for Georgia agencies. Explore each to see how it applies to home-based care.
Workers Compensation
Required for Georgia agencies at 3+ employees — priced on your agency's performance, not the industry's.
Learn moreGeneral Liability
Third-party bodily injury and property damage in clients' homes — required for your Georgia PHCP license.
Learn moreProfessional Liability
Malpractice coverage for care itself — required for licensure and paired with general liability on every program.
Learn moreHired & Non-Owned Auto
Protects your agency when caregivers drive personal vehicles between Georgia clients.
Learn moreClient Property Theft
Third-party theft coverage for caregivers working inside Georgia clients' homes.
Learn moreAbuse Coverage
Defense and liability protection against abuse allegations — essential for home-based care.
Learn moreEmployment Practices
EPLI coverage for wrongful termination, discrimination, and harassment claims.
Learn moreCyber Liability
HIPAA-aware cyber insurance protecting client data and your agency's systems.
Learn moreProperty Insurance
Protection for your Georgia office, equipment, and business income.
Learn moreGeorgia Associations & Affiliations
We work alongside the associations that shape home care in Georgia, including the Georgia Association of Community Care Providers (GACCP) and other state-level bodies advocating for private home care providers.
Our involvement keeps us current on Georgia-specific regulatory changes affecting your agency's coverage.
Get a Georgia Home Care Insurance Quote
Tell us about your Georgia agency and we'll build a coverage package that fits your license, contracts, and caseload.