Domiciliary Care Insurance

Meeting the requirements of local authorities and regulators.

We provide domiciliary care insurance to care agencies and supported living agencies to help them manage their risk and protect their business. Our policy with Aviva complies with Local Authority requirements and meets the requirements of the Care Quality Commission (CQC), the Care Inspectorate Scotland and Care and Social Services Inspectorate Wales (CSSIW).

Your employees may be working with elderly or disabled people, those with learning difficulties or specific vulnerabilities. As their job will likely include services on a personal level such as bathing and dressing, night care, and administering medications, there are certain risks involved in their day-to-day work.

Some of these risks can’t be avoided, and that’s where domiciliary care insurance can help.

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:

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.

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.

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.

Buildings and contents

If your agency owns its building, this insurance cover will step in to meet the repair should you experience an insured peril, such as a fire, flood, storm damage or an act of vandalism.

Business interruption

This important cover insures your business for loss of income or additional costs incurred by you following an insured events i.e. water damage at your office leaving it unusable.

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.

Why choose Gallagher?

Gallagher has been providing insurance for the care sector for over 25 years, helping to protect care organisations. We understand the challenges and risks your business faces as you provide high quality care for your service users in their own homes.

Through our industry expertise and exclusive access to insurers specialising in the care sector, we can provide tailored domiciliary care insurance for your business. We have our own in-house claims team and you’ll have a dedicated Gallagher contact throughout your policy year to support you. Like you, we believe in delivering a service that is both personal and professional.

Meets the requirements of the CQC and local authorities
Has been tailored by specialists in the care sector to reflect your needs
Backed by one of the UK’s leading insurance providers
Offers a monthly payment plan that spreads out the cost
Provides quick turnaround of your quote

Domiciliary Care Team

0800 612 2265