General Liability Insurance for South Carolina Home Care Agencies

Liability insurance is not one-size-fits-all. General liability is the policy that responds when your agency causes someone an injury or damages their property, whether that is a fall, a fire, or a treasured item broken. Professional liability is the policy that responds when the quality of care is challenged. South Carolina agencies need both, including non-medical ones, and this page focuses on general liability.

Every shift your caregivers work in Charleston, Columbia, or Greenville takes place in someone else's home, and your agency's exposure goes with them. General liability forms the foundation of a South Carolina home care insurance program. It applies when your business causes bodily injury or property damage to someone who is not your employee.

Common Home Care Claims

• While preparing a meal, a caregiver causes a kitchen fire, damages a floor, or knocks over and breaks a client's possessions.
• A guest in the home falls over equipment a caregiver set down in a walkway.
• A relative of the client is injured in an incident connected to your agency.
• Damage to property that results from your in-home services.

South Carolina requires liability insurance to license an agency: at least $100,000 per occurrence and $300,000 aggregate, or a surety bond in its place. Contracts and referral partners often ask for proof of it too. Because a claim in the home rarely fits neatly under one label, we place general and professional liability as a single coordinated program. Read our South Carolina professional liability page for the other half.

Licensing a new South Carolina agency or reviewing the program you have now? Start with one form, or send us your declarations pages and we will tell you what we find.