Specialist insurance for domiciliary care providers
Domiciliary care insurance can be tailored to the needs of Care Quality Commission (CQC) registered care workers providing domiciliary services. These personal services can include home help and cleaning tasks, as well as providing companionship and welfare checks when necessary.
Our team of experts has years of experience supporting businesses in the care sector. We will help you find the right level of cover for a range of risks and liabilities faced by domiciliary care agencies in their day-to-day operations.
We take the time to manage your risks and arrange a tailored insurance solution 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.
Key features and benefits
- Tailored insurance solutions.
- Public liability insurance with £10 million as standard.
- Employers liability insurance with £10 million as standard.
- Loss or damage to property.
- Legal expenses included.
- No hidden fees.
Get in touch with our health and care insurance team
What our domiciliary care insurance covers:
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Employers liability
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Legal expenses
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Directors and officers
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Personal accident
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Errors and omissions
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Public and products liability
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Professional indemnity
What is domiciliary care insurance?
Domiciliary care insurance is there to protect your business from the risks typically associated with personal service care, which may include tasks such as shopping and running errands, general home help, transportation and companionship.
In the domiciliary care sector, the support provided is day-to-day assistance, rather than healthcare-related care. Domiciliary carers play a vital role in helping people live independently in their own homes beyond medical assistance.
Domiciliary care work does have its risks, and the right cover can protect your business against these risks. Domiciliary care insurance can cover you against things such as claims of negligence, theft, or damage to your client, a third party, or their property.
What domiciliary care insurance cover do you need?
Our insurance product typically covers the following areas:
- Employers liability – if you employ staff, in most cases it is a legal requirement to have employers liability in place.
- Legal expenses – cover for the costs associated with legal proceedings or disputes arising from duties carried out.
- Personal accident – can offer you financial protection if you or one of your employees is injured accidentally whilst carrying out domiciliary care duties.
- Public liability and products liability – cover in case a member of the public or third party is injured because of your negligence or service you provide.
- Directors and officers – a type of liability insurance that covers directors and officers of a company against claims arising from their decisions or actions.
- Professional indemnity (also known as errors and omissions) – cover that protects you if a claim of negligence or breach of confidentiality is brought against you claiming you made a mistake in your professional services.
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 your business provides 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.
Why choose us for your domiciliary care insurance?
We know that every business is different, so a one-size-fits-all approach to business insurance doesn’t work. That’s why we draw on our market relationships and our experience in finding the right cover to help secure domiciliary care insurance that is tailored to individual business needs.
As a broker, we’ll work with you to understand your business and the risks you face, before approaching our specialist provider to tailor a quotation and, once you’re happy, get your cover set up straight away – it’s quick and easy.
Frequently asked questions
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The level of cover you need depends on the risks your business faces. Cover can be anywhere from £2 million to £10 million or beyond. The clients you work with or local authority contracts you have tendered for may dictate the minimum value of cover you need.
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Yes. Under the Employers Liability (Compulsory Insurance) Act, all organisations that have staff are required by law to have employers liability insurance. There is an exception to the rule if you are a sole trader employing close family members.
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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.
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You need to have employers liability cover as soon as your care business employs staff. Whether paid or not, if you have any person to whom you are responsible, you're at risk of legal action. "Staff" do not have to be paid or under contract to you. It includes anyone for whom you have a legal duty of care. So sometimes even sole traders need employers liability insurance.
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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.
You are legally required as an employer to have cover for compensation of at least £5million. Most policies offer cover for £10million.
