Coverage
General Liability
Covers everyday business accidents: third-party injuries, property damage and advertising claims at your office or in a client's home.
In plain language
General liability (GL) covers the non-medical accidents that happen when you run a business. Someone trips in your lobby, a caregiver knocks over an heirloom in a client's home, or a competitor says your advertising damaged their reputation.
Nearly every lease, facility contract and referral partner will ask for proof of GL. For healthcare organizations it's usually written alongside professional liability, and we make sure the two policies fit together without gaps.
Typically covers
- Bodily injury to visitors, clients or the public (non-medical)
- Damage to other people's property, including in clients' homes
- Personal and advertising injury (libel, slander, copyright in ads)
- Medical payments for minor injuries regardless of fault
- Defense costs for covered claims
Usually not covered
- Injury from professional or clinical services (professional liability)
- Injuries to your own employees (workers' compensation)
- Vehicle accidents (commercial or hired & non-owned auto)
- Theft by employees (crime coverage)
Coverage depends on the policy form, endorsements and exclusions. We confirm the details in writing before you buy.
What contracts usually require
By industry
Who we place general liability for
FAQ
General Liability questions
Does general liability cover professional liability claims?
No. Claims arising from the care your team provides are professional liability claims. A complete healthcare insurance program needs both coverages.
Is general liability required to operate a home health agency?
In practice, yes. Licensing agencies in the states we serve commonly require it, and nearly every referral source, managed care organization and landlord will ask for a certificate showing it.
What limits should my agency carry?
Most agencies start at $1 million per occurrence and $2 million aggregate. Check your referral source and facility contracts for higher requirements before choosing limits.
What is an additional insured, and why do referral sources require it?
An additional insured endorsement extends your policy to a named third party (a facility, payer or landlord) for claims arising from your operations. It doesn't cover them for their own independent acts. Contracts often require it, and we can add one and issue a certificate quickly.
Does general liability cover a caregiver injured on the job?
No. Employee injuries are covered by workers' compensation. General liability covers third-party claims only.
Does general liability cover property stolen from a patient's home?
No. Standard general liability covers accidental property damage, not theft. Theft by an employee is handled by a crime policy (with third-party/client property coverage) or a fidelity bond.
Can I bundle general liability with professional liability?
Yes, and for most home health agencies it's the recommended approach. Bundling closes gaps between the two policies and often lowers total premium.
Ready for coverage that fits how you deliver care?
Quotes in a few business days. Questions answered by Misty, not a call center.
Talk to Misty
Call or text Misty directly. You'll talk to the person who knows your account, not a call center.
- Call(435) 216-6749
- Text(435) 216-6749
- EmailMisty@snowcanyoninsurance.com
- HoursMon–Fri, 9am–5pm Mountain · Closed Sat–Sun
- MailPO Box 25, Santa Clara, UT 84765