Home Care and Caregiver Insurance in Georgia

  • Compare quotes in minutes.
  • Order online and get instant confirmation of coverage.
  • Access only high-quality insurance companies (A-rated or better)

Home Health Aide quotes

Home Health Agency quotes

Business Insurance for Home Health Aides and Providers

Home health aides provide high-quality care to their patients. You know how important it is that people can live comfortably in their own homes, and having the appropriate insurance in place is something to consider so you can keep performing your professional duties.

BizInsure makes it simple and easy for Home Health Aides in Georgia to find insurance to protect their small business. Insurance options are available for home-health aide agencies across every state, which means it doesn’t which state you reside in or where you live, it doesn’t matter if you’re in Atlanta or Columbus or Augusta.

Why should you be a health care professional in Georgia?

There are many home health aides in every state, even Georgia. This could be a great opportunity to start your profession in the field of healthcare, and have an impact on the patients.

Why do home health care providers need insurance in Georgia?

Home health aides assist the elderly, the disabled, and those who are chronically sick. Your services aide these patients to live in safety and comfortably in their own home. There’s always a risk of things going wrong, and you may be sued or face an expensive liability claim.

Accidents do occur. If you are found responsible, you may be required to compensate the victim’s family or friends. The cost of litigation and claims is high. This could cause financial havoc and potentially ruin your career. Georgia offers insurance for home care to help home health aides, home healthcare agencies, and other healthcare providers safeguard their finances.

Did you know?

General Liability insurance* provides coverage for actual as well as unfounded claims of third parties.

Georgia Home Healthcare Business Insurance

Many kinds of insurance for businesses can be used to assist home health aides or other healthcare professionals as they work.

General Liability Insurance

General Insurance protects businesses and their property from third-party injuries. The policy will cover legal costs and the cost to fix the situation (up to the policy limits). These protections apply to claims that have merit and ones that don’t. General Liability insurance can also come in the form of Commercial General Liability, CGL or “slip and fall” coverage.

What is typically covered?

General Liability insurance covers for claims and lawsuits caused by:

  • Injuries to third parties
  • Damage to a third party’s property

A claim doesn’t have to be proven true for your General Liability policy to safeguard you. It also protects third parties who file claims that are not substantiated. Unfounded claims can be costly to resolve. General Liability policies offer healthcare providers at home with greater peace of mind when they care for their patients.

What is not usually covered?

Your General Liability insurance policy won’t be able to cover certain events, like:

  • Personal workplace injuries and Workers’ Compensation claims
  • You could cause harm to your property
  • Damage to property caused by intent of a third party.
  • There are errors and mistakes in your work.

Other types of events are not covered by your General Liability Insurance. The policies will give the complete details on the coverage available.

Professional Liability Insurance

Professional Liability insurance* covers mistakes or omissions within your work which can cause your client to lose money. It also shields you from third-party claims for professional negligence. The policy will cover legitimate and meritless claims. Professional Liability insurance may also be called Errors and Omissions (E&O) insurance.

What is usually covered?

Professional Liability insurance protects against legal costs like judgments, settlements

Expert services and advice could include mistakes, errors, or mistakes

  • Allegations of negligence
  • Services not delivered or due dates missed.
  • Contracts breach

These kinds of claims usually come from clients who assert that your work resulted in financial losses for them. Insurance policies for Professional Liability provide coverage even if a claim against you is baseless.

What’s not typically covered?

Certain events are not covered under Professional Liability insurance:

  • Injuries to a third-party
  • Property damage to third parties
  • Workplace injuries at work or claims for workers’ comp claims.

Please refer to your policy formulation for more details about what is and isn’t covered by the Professional Liability insurance.

Miscellaneous Medical Liability package to cover home health care professionals

Home care providers as well as home health aides often require multiple insurance types to protect against different risks. BizInsure’s Miscellaneous Liability Package* includes a variety of insurances home care businesses may be interested in. This policy includes the Professional Liability as well as General Liability insurance. Cyber Liability* protects you from malicious software attacks, data breaches and other incidents that could damage your business.

Who may need Home Health Care insurance in Georgia?

Georgia is home to many health professionals.

  • Home Health Aides – Subcontractors, sole proprietors, and independent contractors might require insurance to safeguard their clients and themselves.
  • Home Health Services – Secure your small business and your employees by buying insurance for home aide agencies.
  • Other healthcare professionals – Business insurance could be beneficial to nurses, physical therapists, and caregivers.

BizInsure can arrange business insurance for home health aides and agencies in Georgia. Start a quote to compare policies in minutes!

How much does home health insurance cost in Georgia?

There are many variables that affect the price of Georgia home health insurance. This is because each home healthcare professional is different, and the insurance rates will be determined by the unique makeup of your business.

These factors may be considered when calculating business insurance premiums.

  • Education and qualifications – Are you well-trained to do the job? Are you able to be employed in Georgia as a healthcare provider?
  • Location – Health care providers located in cities like Atlanta or Columbus will likely be more expensive than those in less populous areas.
  • Claims history – An accumulation of past claims may result in higher rates in the near future.
  • Cover level – The coverage you require Higher premiums are usually connected with greater coverage. Clients might need to have minimum coverage.

Comparing quotes from multiple insurance companies can help you find the right home healthcare insurance for your business.

Frequently Asked Questions (FAQs)

What are the risks for home health care providers in Georgia?

Georgia home healthcare providers offer high-quality care for patients. Being in close contact with others in their homes can create particular dangers. Insurance is a way to protect your business from the most common risks that you could face.

  • General Liability insurance – A patient slips and falls, requiring a trip to the emergency room. When visiting the home of a patient you slip and break a costly vase. Two instances of claims General Liability Insurance may be able to assist as a home health aide.
  • Professional Liability insuranceThe capacity to offer insurance for Professional Liability is an essential aspect for patients as well as their families. If you make a mistake in your care or you don’t live up to their expectations, you could face an action for negligence or another Professional Liability claim.
  • Cyber Liability insurance – Healthcare facilities at home could store sensitive patient data. Cyber Liability insurance can be beneficial if you’re victimized by an information leak or other malicious attack.

BizInsure helps home health aides and agencies find commercial insurance that covers the risks that they face every day.

What are the home healthcare aide license requirements in Georgia?

In Georgia, home health care aides are typically referred to as Certified Nursing Assistants (CNAs). The licensing process for CNAs in Georgia involves the following steps:

  1. Education: Complete a state-approved nursing assistant training program. These programs are offered by community colleges, vocational schools, and some healthcare facilities. The program typically consists of classroom instruction and clinical training.
  2. Criminal Background Check: Undergo a criminal background check through the Georgia Crime Information Center (GCIC). Applicants with certain criminal convictions may be disqualified from obtaining a CNA license.
  3. Competency Evaluation: After completing the training program, you must pass a competency evaluation. This evaluation includes a written exam and a skills demonstration test. The Georgia Department of Community Health contracts with Pearson VUE to administer the competency exams.
  4. Application: Submit an application for CNA certification to the Georgia State Board of Nursing. The application should include the completed application form, required documents, and the appropriate fee.
  5. Registry Listing: Once you have successfully completed the competency evaluation and your application is approved, your name will be added to the Georgia Nurse Aide Registry. This registry serves as verification of your CNA status and is maintained by the Georgia Health Partnership.

It’s important to note that the requirements and processes may change over time, so it is recommended to check the Georgia State Board of Nursing website or contact them directly for the most up-to-date information on obtaining a home health care license in Georgia.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
© Copyright 2023 BizInsure LLC, 2015 ALL RIGHTS RESERVED BizInsure LLC; CA DBA: Simple, Smart, BizInsure Insurance Agency LLC; NY DBA: BizInsure Services LLC; NH DBA: Simple, Smart, BizInsure Insurance Agency; PA DBA: BizInsure Services LLC. 2950 Buskirk Ave Suite 300, Walnut Creek CA 94597. License #0H81929
Friendly and very fast service!
Patricia S.
1713020220
Jennifer Whiscombe, is an amazing agent. She was very knowledgeable, thorough and friendly. I highly recommend.
Ebony D.
1712939806
They make it very easy to buy insurance and renew.
Bill N.
1712763118
As a business owner I love not wasting time. Thank you so much for giving me more time
mario S.
1712678018
Very straight forward, the cost of coverage amount made sense, simplicity was appreciated.
Jean H.
1712557699
Always easy. Thank you.
Dave C.
1711734978
A Company that is easy to deal with and that I have used for several years. I appreciate the continued support.
Sam M.
1711718774
Very easy and affordable!
Volanda H.
1711024298
Very easy to work with, cost effective, prompt renewal and easy to get certificates of insurance instantly. I use them exclusively for my professional and general liability insurance needs as a consultant.
Larry (.
1710956598
Responsive and professionalCompetitive price. I highly recommend Bizlnsure as an insurance provider
Zynab B.
1710433556
Your service is easy to renew as needed and your company informs the client in advance for renewal.
Henry B.
1710352389
It has been a pleasure doing business with Biz Insure Llc.Their representatives are very courteous, helpful and customer service oriented.
Shonta I.
1710297732
Quick and easy....
Tammy K.
1710172643
I follow the instructions & would prefer to paid every month. I did not have the options to pay every month.
Alamo H.
1709935830
Thank you, Amy, for making my experience enjoyable and funny. Thank you so much for your kindness!!!
George J.
1709840615
I'm pleased with the business quote I received from Bizinsure LLC. Thank You!
Shanda J.
1709586997
Very satisfied with the online experience
Nicole h
1709238653
Been a happy customer for years! Easiest company to receive a quote and get insured. No hassles! Easy payment! Finance plans, if needed!
jodi H.
1709226367
Love it
Hanna R.
1708272180
Every year, BizInsure is my go to for general and professional liability insurance! Thenrates are unbeatable.
Calandra K.
1708044666
The agent was quick and efficient in generating a quote for my needs.
Theresa F.
1707895796
I enjoy working BizInsure they always answer all my questions and make sure i have the correct coverage for my business.
Prompt and professional service from Biz Insure. Thanks Leslie and Liza!
Bev G.
1707524454
Very easy to sign up for insurance.
Great company
Brown G.
1706896003
Fast and efficient!
Kim C.
1706746693
It was great being able to get a policy that suits my company's need in less than 30 minutes. They were vey thorough. Very competitively priced.
Lynette C.
1706621476
I worked with Andrea for another start up business. She was very knowledgeable and help me pick the correct policy. Amazed at how quickly the process went.
Representative was very kind, helpful, and educated me well. I appreciated today's prompt service with confirmation that I was satisfied with what was provided to me.
Tina P.
1706224051
Great company for.your low cost business insurance needs.
constantin T.
1706156911
Staff was very fessional and friendly. I was able to get a quote and move forward within 20 minutes.
Pebbles S.
1706126428
Wonderful
Complete C.
1705788054
MUY BUENO
Super easy process.
Ashley G.
1704830227
It’s very easy to understand and at a very reasonable price.
Mary M.
1703780096
Professionalism, Quality, Responsive and budget friendly
B D
1703029371
Great rates, easy to understand and select appropriate coverage, can get in a jiffy
Brie C.
1702775397
I have been a customer of BizInsure for a few years now and I love it. There customer service is awesome and the prices are affordable.
Danyale W.
1702132165
Quick easy experience! The rep was knowledgeable & pleasant. Customer care was awesome to respond and clarify my concerns.
Kathy Ann A.
1702059151
js_loader
Google Rating
4.7
Based on 262 reviews
×
js_loader