Domiciliary Care Insurance

What is domiciliary care insurance?

This type of carer insurance is for those who provide personal care services to people in their own homes. It can include covers such as public liability insurance and treatment risk, as well as employers’ liability insurance to protect your business against claims from employees.

What can domiciliary care insurance cover?

Standard cover in this type of carer insurance policy will typically include the following:

• ✅ Professional Indemnity: This cover is designed to protect you if a service user or family member makes a claim against your business for negligent advice or service.
• ✅ Public Liability: Insurance for carers should include adequate cover to offer financial protection in the event of a public liability claim. This could be because a service user, member of the public or other third party is injured, or their property is damaged, and they are holding your company liable.
• ✅ Employers Liability: Offers financial protection in the event of a compensation claim by an employee if they suffer a physical or psychological injury due to the work they do for your company.
• ✅ Treatment Risk: This insurance is designed to cover the costs of legal defence and compensation in the event of a claim by a service user for injury caused by treatments they have received under your care. This could be due to an allergic or adverse reaction, for example.
• ✅ Legal Expenses: This section of the policy provides you with a Legal Helpline, this can be used for a variety of legal issues including Employment Disputes advice, the caveat for this type of cover is using the helpline and following the advice before you take any action.

Any providers that we partner with will have their own specifics on what they offer, so please contact them directly for more information.

As part of our partner onboarding, we always ensure that the following apply:

1. Meets the requirements of the CQC and local authorities
2. Has been tailored by specialists in the care sector to reflect your needs
3. Backed by a leading insurance providers
4. Offers a monthly payment plan option that spreads out the cost
5. Provides quick turnaround of your quote
6. Always on hand to answer any questions you may have

What is the process for getting a quote?

The process for getting a quote is as follows:

1. Contact us to discuss your requirements, submit an enquiry here
2. We will then introduce you to a partner that is best suited, who will liaise with you directly and send you a quote based on your requirements
3. If you are happy with the quote, our partner will be on hand to complete the quote and issue formal documentation