General Liability Insurance for North Carolina Home Care Agencies

Liability coverage comes in more than one form. General liability applies when your agency injures someone or damages their property: a fall, a fire, a broken keepsake. Professional liability applies when the care itself is called into question. A North Carolina agency needs both, whether it provides skilled or non-medical care. This page explains the first.

Your caregivers spend their working day in homes from Charlotte to Raleigh to Wilmington, so your agency’s risk spends its day there too. General liability is the base layer of a North Carolina home care insurance program. It responds when your operations cause bodily injury or property damage to anyone other than your own employees.

Where General Liability Comes Into Play

• A caregiver breaks something of value, scratches a floor, or starts a fire while cooking for a client.
• A visitor trips on equipment a caregiver left in a hallway.
• A family member is hurt in an incident tied to your agency’s work.
• Property damage claims that arise from the services you provide in the home.

Clients, families, and referral sources commonly ask for proof of this coverage. Claims in a client’s home seldom fall cleanly into “general” or “professional,” so we write the two together as one coordinated program. Our North Carolina professional liability page covers the other half.

Whether you are opening a new North Carolina agency or reviewing an existing one, start with one form. Or send us your current declarations pages, and we will tell you what we see.