Insurance built for Georgia home health agencies
GL, professional liability, abuse & molestation, employee dishonesty bonds, and hired/non-owned auto — from brokers who know DCH and Georgia Families requirements.
Most brokers miss the coverage gaps that put your license at risk
Your caregivers drive clients in their own cars. Most policies don't cover that. One accident and you're personally exposed.
Georgia Families managed care organizations require specific insurance minimums. Most Georgia agencies lack the abuse and molestation coverage required by their referral sources.
One abuse or neglect allegation can end your agency without the right coverage in place. Most brokers don't even offer this policy.
Everything your Georgia home health agency needs — including what others forget
General liability
Covers bodily injury and property damage claims from your operations or aides working in client homes.
Professional liability
E&O coverage for claims arising from care decisions, missed visits, or alleged negligent service delivery.
Abuse & molestation
Critical for home health. Covers claims of sexual abuse or molestation involving aides and vulnerable clients in their homes. Routinely excluded from standard GL policies — most brokers never think to add it.
Crime / employee dishonesty bond
Protects your agency if an employee steals from a client or from your business. Required by many referral sources and essential when aides have unsupervised access to clients' homes and belongings.
Workers compensation
Georgia requires workers' compensation for employers with three or more employees. Most home health managed care contracts require it regardless of size. We work with carriers who understand the Georgia home health class code.
Hired / non-owned auto
Covers your agency when aides use their personal vehicles to drive to client appointments — the gap most policies quietly ignore.
We know what DCH expects — so your policy always meets it
Georgia home health agencies are licensed through the Department of Community Health. Workers' compensation is required for all employers with three or more employees. Most managed care and referral contracts require at least $1M per occurrence in general liability coverage. Employee dishonesty bonds are required by most referral sources and Georgia Medicaid managed care plans.
Georgia Department of Community Health (DCH)
$1M per occurrence / $3M aggregate
1,200+ DCH-licensed home health agencies statewide
Bond required by state
Area Agencies on Aging
- Atlanta Regional Commission AAA
- Central Savannah River Area AAA
- Lower Chattahoochee AAA
- Northeast Georgia AAA
- Northwest Georgia AAA
Georgia Families Managed Care
- Amerigroup Georgia
- Peach State Health Management (Centene)
- WellCare of Georgia
- UnitedHealthcare Community Plan of Georgia
Other
- Georgia DBHDD
- SOURCE Program
- CCSP (Community Care Services Program)
Does Georgia require workers compensation for home health agencies?
Georgia requires workers compensation for employers with three or more employees. Most Georgia Families contracts require it regardless of size.
What insurance do Georgia Families contractors need?
Contracts require general liability of at least $1M per occurrence / $3M aggregate, professional liability, workers compensation, and an employee dishonesty bond.
Do Georgia home health agencies need abuse and molestation coverage?
Yes — routinely excluded from standard GL policies and required by most Georgia Families MCOs and referral sources.
What are SOURCE and CCSP?
Georgia Medicaid waiver programs providing home-based services. Participating agencies must maintain GL, professional liability, workers compensation, and an employee dishonesty bond.
Does my agency need hired and non-owned auto coverage in Georgia?
If caregivers drive personal vehicles to client homes, your GL does not cover that exposure.