General liability insurance for care agencies and small businesses
General liability protects your business when its operations injure someone or damage their property. We specialize in RCFEs, assisted living, home health and private-duty care agencies, and we insure many other kinds of businesses too.
What it covers
- Bodily injury to clients, visitors and other third parties
- Damage to property that belongs to someone else
- Medical payments for minor injuries, regardless of fault
- Personal and advertising injury, such as libel or copyright claims in an ad
- Legal defense, settlements and judgments for covered claims
What it doesn't cover
Injuries to your own employees (that's workers' compensation), mistakes in your professional services (professional liability), auto accidents, and damage to your own property. Caregivers who drive for work usually need hired and non-owned auto coverage as well.
Packages for care providers
For healthcare agencies we usually combine general and professional liability in one policy, which is how California writes its licensing requirement for home care organizations. Employee dishonesty bonds and abuse and molestation coverage can be added where your clients and contracts require them.
Frequently asked questions
Do I need general liability if I work in clients' homes?
Yes. If a caregiver damages a client's property or a client is injured by something your staff did, general liability responds. Licensing for home care in California and Illinois requires liability coverage.
Does general liability cover employee injuries?
No. Employee injuries are covered by workers' compensation.
Can I combine general and professional liability?
Healthcare agencies often can, in a single policy built for their industry. Other businesses usually pair a business owner's policy with a separate professional liability policy.
See your price in two minutes
Instant workers' comp and liability estimates, with a licensed agent to finish the job.