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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 have years of experience supporting businesses in the care sector.

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.

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 car
  • 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.


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

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 – also known as directors and officers insurance – will protect them.

Frequently asked questions

Q
How much public liability cover will I need?
A
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.
Q
Do I need public liability insurance if I am a self-employed carer?
A
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.
Q
Does my care business need Employers Liability Insurance?
A
Yes. Under the Employers Liability (Compulsory Insurance) Act, all organisations that have staff are required by law to have Employers Liability Insurance.
Q
When do I need to get Employers liability cover for my care business?
A
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.
Q
What's the minimum cover I need to have in place for my care business?
A
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.