Domiciliary Care Insurance
Domiciliary care insurance matched to the risks of working in someone’s home.
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Domiciliary Care Insurance That's Specific to Your Day to Day
A carer arrives for a morning visit and helps a client transfer from bed to wheelchair. The hoist sling isn’t fitted correctly, the client slips, and there’s a fall. That’s a claim against your business, and if your cover doesn’t reflect the manual handling and personal care your staff actually carry out, you could be paying for it yourself.
Most domiciliary care providers know they need domiciliary care business insurance. Working out exactly what it needs to include is the harder part. Manual handling, medication administration, staff working alone in a client’s home, and carers using their own cars between visits all bring risks a generic policy often misses.
Tell us about your care business, whether that’s a domiciliary care agency, live-in care, or supported living, and we’ll pass your details to a broker who arranges domiciliary home care insurance across the UK. Cover that’s matched to the way your carers actually work.
What Does Domiciliary Care Insurance Cover?
Employers' Liability Insurance
Public Liability Insurance
Employee Dishonesty Cover
Key and Lock Cover
Malpractice Cover
Why Do Domiciliary Care Providers Use Policy Path?
Generic insurance forms don’t ask whether your carers administer medication, whether they’re DBS checked, or whether they use their own vehicles between visits. They lump care businesses together and hope the cover fits, and you don’t find out it doesn’t until you need to claim.
Policy Path takes the detail seriously. You tell us how your care business operates and what your staff actually do. Domiciliary care business insurance cost varies significantly between a small agency with a handful of carers and a larger provider covering complex care needs, and we pass those details on to a broker who specialises in domiciliary care and prices it accordingly. The last thing you want to discover when you need to claim is that your cover doesn’t apply because your policy didn’t account for how your business actually works.
FAQs
It’s not a legal requirement, but almost every local authority contract and most private clients expect to see it in place. It covers injury to a client or damage to their property while your staff are working in their home, a carer knocking over a lamp, or a client injured during a visit. In practice, you can’t operate a care business without it.
Public liability covers physical injury or property damage, a client falling during a visit, for example. Malpractice or professional indemnity cover responds to mistakes in the care itself, a missed medication dose or a care plan not followed correctly. Many domiciliary care providers need both.
Carers are often alone in a client’s home, sometimes with access to cash, valuables, or bank cards. This covers losses if a member of staff is found to have acted dishonestly, something a standard liability policy doesn’t include, and most domiciliary care providers choose to have it in place.
It can, but a broker needs to arrange it specifically. Standard personal motor insurance doesn’t cover business use between client visits, including mileage between multiple appointments in a single shift.
Many policies require regular inspections, typically monthly, to check for issues like leaks or storm damage. If you live far away, that can be tricky. When you speak to the broker we connect you with, ask about the inspection requirements on your policy. Some insurers are more flexible than others, and a local property management service can also carry out the checks for you.