Domiciliary care insurance

Why do you need domiciliary care insurance for your home care business?

We care about the care industry. Our domiciliary care insurance team are here to work closely with clients, including offering tips for minimising risk in the workplace and advice for complying with regulatory bodies.

  • Insurance you can trust
    We can provide you with comprehensive insurance cover to make sure that in the event of an accident or loss, you have the correct level of cover in place.
  • Flexibility where you need it
    We are experts in the home care industry and have adapted our insurance products to meet the ever-changing needs of the care sector. Our team will ensure that your policy is designed to meet your specific needs and requirements.
  • Risk management
    We will give you support where you need it. We work with you to ensure that potential risks are identified and managed where possible. We provide our clients with up-to-date information on important changes in Health & Safety legislation and other risk issues so that you are well informed with any changing regulation.

How our specialist domiciliary home care insurance experts can help you

We offer specialist advice and guidance for home care businesses to ensure that your are properly protected. We can help you insure your business to cover what matters most and those who matter most to you. With a range of specialities across the team, we are in place to help.

Domiciliary home care insurance. Who do we cover?

Our dedicated team specialises in insurance for home care organisations that provide care for individuals and families within their own homes, and the supply of nursing and care staff to all sectors of the care industry.

We can arrange domiciliary home care insurance cover for the following:

  • personal care
  • nursing care
  • administering of prescribed and non-prescribed medicines
  • night care
  • carer respite service
  • day care centres
  • supported living facilities
  • meals on wheels
  • cleaning, cooking and household tasks, shopping, laundry and gardening services
  • additional services can be considered.

Free for all domiciliary home care insurance clients

All our domiciliary care insurance clients benefit from valuable, free services from our professional advisers:

• CQC compliance and guidance - phone consultation to support you with compliance and best practice principles in relation to the Care Quality Commission, subject to conditions.   
• Tax and legal guidance - initial phone consultation with expert business partners.

Efficient claims service

Should the worst happen and you need to make a claim, our specialist care insurance claims team will be on hand to manage the process from claim through to settlement with minimum disruption to your day-to-day activities.

We can advise and negotiate claims for you. We also work with insurers closely to ensure outstanding claims are managed efficiently and reserves are challenged. Where necessary, we are able provide our clients with claims data and highlight trends and opportunities for risk management intervention.

Medical indemnity insurance

Otherwise known as Medical Malpractice, Medical Indemnity is an essential cover on all of our insurer’s care insurance policies. This cover protects you against a breach of your professional duties. A claim can be made if someone believes that there has been a breach of duty of care or omissions, or professional negligence.

Frequently asked questions

Does my care business need Employers’ Liability Insurance?
Yes. Under the Employers’ Liability (Compulsory Insurance) Act, all organisations that have staff are required by law to have Employers Liability Insurance.
When do I need to get Employers Liability cover for my care business?
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.
What is the minimum cover I need to have in place for my care business?
You are legally required to have cover for compensation of at least £5 million, but most policies will offer cover for £10 million. The cost of your care provider insurance premium is usually based on a number of factors including: the nature of your business; the number of people you employ (and/or the payroll cost); your previous insurance claims. In the case of larger organisations or where a number of employees are in one location, increased limits are recommended.
How much Public Liability insurance will I need?
The level of cover you need is related to the amount of risk faced by your business. Cover can be anywhere from £2m to £10m or beyond. The minimum value could be dictated by the clients you work with, or local authority contracts you have tendered for.