Domiciliary care insurance

How can we help your domiciliary care business?

Insurance is just one way our team can support you and your business. 

It’s our job to manage your risks to protect your business, your staff, and the people you care for. 

  • Simplicity
    We understand the pressure you’re under every day and do everything we can to ensure your home care insurance options are presented simply, expertly, and impartially.
  • Experience
    Recognising every care provider is unique; our care team offers a wealth of experience, takes a long-term view, and tailors your solution to your specific needs.
  • Protection
    We do our due diligence up front, and a huge amount of work behind the scenes with our panel of insurers, to ensure the cover you have in place is just right for you.

 Our health and care advisers

Our care team has decades of experience in the care sector. We recognise every business is unique, and offer our advice and guidance to help you protect your complex world.

We offer a range of services to help you reduce risk and adapt to your ever-changing world, so you can provide amazing experiences to your clients.

Home care insurance 

If your organisation provides home care, or any of the services below, our team can help you manage your risk, protect your business, your staff, and the people you care for with home care insurance.

  • 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.

Cyber liability

Cyber security in the health and care industry has been a growing concern over the past few years. We can advise on a solution for your business.

Management liability

Also known as directors and officers insurance. An individual pursuing legal action could put a company director at risk of being held personally liable – putting their livelihood at risk.

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.
How much public liability cover 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.
What's 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.
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.