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A domiciliary care worker helps a resident into a seat

Domiciliary care insurance

We're here to help you with your domiciliary care insurance 

Taking care of your insurance is just one way our team can support you. We're here to manage your risks to protect your business, your staff and the people you care for.

  • Commitment
    We understand the unique pressures, challenges and risks you face each day. Our team of experts are dedicated to simplifying your insurance, making it one less thing for you to worry about.
  • Experience
    Because we're experts with years of experience, we can arrange bespoke insurance that's tailored to protect you.
  • Support
    We're here to do the hard work, so you can focus on delivering excellent care. We'll search our panel of insurers and offer advice and support when you need it.

How our team of health and care insurance experts can help you

Our team of experts has years of experience supporting businesses in the care sector. We operate from a dedicated Enterprise unit and we have over 2,500 fully trained advisers.

We take time to manage your risks and arrange cover that's right for your care business. So, you can focus on supporting the people you're caring for, knowing you, your business and your staff are protected.

Get in touch with our health and care insurance team

What our domiciliary care insurance covers:

  • Employers liability
  • Legal expenses
  • Management liability
  • Personal accident
  • Professional liability, including medical malpractice
  • Public and products liability

Clients we support with domiciliary care insurance

Because we work with a wide range of care businesses, we know running a domiciliary care business presents daily risks. We're here to help protect your reputation, help you manage everyday risks and challenges, and make sure your insurance covers you if you provide any of these services:

  • personal care
  • nursing care
  • administering of prescribed and non-prescribed medicine
  • night care
  • carer respite service
  • daycare centres
  • supported living facilities
  • meals on wheels
  • cleaning, cooking and household tasks, shopping, laundry and gardening services

Talk to our team if you offer additional services, as we may also provide cover for these services.

Direct Care Insurance for those who employ carers

Cyber liability

Cyber-crime in the health and care industry is now more frequent and sophisticated than ever. We can arrange cyber liability insurance to help protect against the risk of an attack on your business.

Management liability insurance

Management liability

If someone claims a wrongful act: as a breach of duty or trust, a negligent act, or defamation against your company. Your director may be held liable, presenting a risk to their livelihood. Management liability will protect them.

Frequently asked questions

The level of cover you need depends on the risks your business faces. Cover can be anywhere from £2m to £10m or beyond. The clients you work with or local authority contracts you have tendered for may dictate the minimum value of cover you need. Yes. Under the Employers Liability (Compulsory Insurance) Act, all organisations that have staff are required by law to have employers liability insurance.

Yes. We would advise any business to have public liability insurance in place, whether you occupy a premises, work away, or visit people's homes as part of your work. You require employers liability cover from the day your care business starts employing staff. From the moment you have any person to whom you are responsible, whether paid or not, you are at risk of legal action. To qualify as "staff" a person does not have to be paid or under contract to you. It includes any person to whom you have a legal duty of care. This means that sometimes even sole traders will need employers liability insurance.

The level of cover you need will depend on many factors. We would need to assess your business and the risks it faces, then make recommendations. Other influences that can dictate how much cover you need are the types of people you care for, local authority requirements to meet your contract terms and any previous insurance claims you have made. In larger organisations, or where several employees are in one location, we'd recommend increased limits of cover are arranged.

As an employer, you're legally required to have employers liability cover for compensation of at least �5 million, but most policies will offer cover for �10 million.