Domiciliary Care Insurance

So the question becomes; how can your agency provide care with confidence and not be overburdened with worries about liability? A comprehensive domiciliary care policy is the answer.

Why you need domiciliary care insurance

Whether you are a start-up or a long-established organisation, you provide a wide variety of care and support. This can include personal services such as bathing and dressing, administering medications, night care, cleaning, cooking, shopping, laundry — even gardening and household repair. For professionals who deliver these services to clients in their homes, there is a degree of risk.

Our Aviva Domiciliary Programme

Gallagher has partnered with Aviva, a leading insurer in the U.K, to design a comprehensive domiciliary care programme tailored for home care agencies. This domiciliary care insurance programme meets all requirements of local authorities and offers price and payment options ideal for both start-ups and established businesses.

View the Gallagher-Aviva Programme

How a domiciliary care policy protects your company

Domiciliary care insurance offers a combination of coverages to protect your firm. These include public and employer’s liability and professional indemnity insurance. Your policy may also include broad cover for treatment liability, business interruption, theft and more.

To obtain the right cover, we start by asking questions and listening to you to craft a policy tailored to your needs quickly. Sample questions we ask include: what is your yearly turnover rate? What kinds of clients do you work with? What is your background and experience in the sector? What services do you offer? This will enable us to design a domiciliary care insurance policy that:

• Meets requirements of local authorities
• Offers a monthly payment plan that spreads out the cost
• Provides quick turnaround of your quote
• Has been tailored by experts to meet your needs
• Is backed by one of the UK’s leading insurance providers

Sample domiciliary care insurance cover

Your domiciliary care insurance package could include:

• £10 million public liability
• £10 million employer’s liability
• £2 million professional indemnity insurance
• Premiums start at £800

We will work with you, to look at your home care agency’s need to create the right domiciliary care insurance coverage to meet your risk management needs.

Claims

Should you ever need to make a claim on your home care insurance policy, we’ll assign you a named in-house claims handler who will work hard to try and ensure you get the settlement you deserve.