Care and Medical Insurance

Our range of care and medical cover products aims to help those who care for the vulnerable, including care homes, nurseries, surgeries, residential homes, hospices, sheltered accommodation, supported living, housing associations and domiciliary care. We also offer liability insurance for healthcare professionals, allowing you to continue providing care with confidence. Our cover is tailored to your industry, and designed to give specialist cover to ensure that you or your institution has sound financial back up.

Win a Mobii interactive sensory activity board

Our #CaringTogether competition gives one lucky care home the chance to win a Mobii - an interactive sensory activity board from OM Interactive, worth over £9,000. The winner will then work with OM Interactive to personalise the package, so that their home and the residents can upload their own images and memories.

To be in with a chance to win, all you need to do is send us one of your care home memories:

  • Tell us about a famous resident who entertained you all
  • Let us know if you’ve put on a special show to entertain guests
  • Tell us about any unforgettable trips
  • Do you have any special memories of the Queen, as we celebrate her jubilee year?

Share any memorable moments with us!

Enter now

Find out more and enter now

Care and Medical Insurance FAQs

Question

How do I know how much care and medical insurance cover I need?

Answer

For their own liability reasons you are unlikely to find an insurance company who will advise you on how much cover you need. It is your responsibility to take out adequate cover although our advisers can go through your options over the phone and explain how you might want to calculate this cost. Alternatively, many industry organisations or professional bodies will likely be able to offer you general advice.

Question

I only work from home, do I still need care and medical insurance?

Answer

Professionals who send out products, offer advice, or provide some services from their own home can still cause harm for which they may be liable. For this reason it’s important you don’t make an assumption that you can’t do any damage when working from your own home, and speak with an adviser about your risks.

Question

What happens if I retire or cease trading?

Answer

When you stop trading, or retire, we recommend you still have something called ‘run off’ cover. This means that claims raised against you for an event that happened while you were still trading are covered (a claim can be raised any time up to 3 years after the fact). When you are ready, we can arrange cover for you for this.

Question

If a member of staff loses the keys to the domiciliary care service user's home, does my policy cover this?

Answer

The reasonable costs of replacement locks are covered under your policy.

Question

If an employee was found to have stolen property or money belonging to a domiciliary care service user, would our policy cover this?

Answer

Yes. Cover is provided up to a maximum of £25,000, if you are legally liable.

Question

What is the Stress Helpline and who can use it?

Answer

The Stress Helpline is a 24-hour confidential telephone helpline and is available for you or any employee of your business to use.

Question

What additional benefits are available to Homecare Association members?

Answer

All Homecare Association members who take out a domiciliary care policy with Towergate will receive a 10% discount off our standard premium*. In addition, as part of the core policy you will receive the driver safety e-learning module and a risk management audit; We also offer a members business benefits package including; directors' and officers' liability insurance, motor fleet, mortgage advice, pensions and other financial products and a staff benefits package including; household, travel and mortgage advice?

 

*Discount is applied before IPT and customer service charge. All cover is subject to insurers terms and conditions.

Question

Do I receive a discount as a member of other professional associations?

Answer

 

Many of our customers can get a discount on their insurance simply by being a member of a professional association or industry body. What’s more, for many of these, we also offer profession specific policies too. This means you can get specific cover with discounts! Speak to one of our advisers to find out how much you can save.

Question

Will legal advice be offered by trained solicitors or barristers, with experience within the care sector?

Answer

Yes, all enquiries are handled by a dedicated team specialising in care. Legal advice is only given by qualified solicitors and barristers and the claims team are all qualified with a law degree as a minimum.

Question

Does my domiciliary care policy include abuse cover?

Answer

Yes. The policy does not exclude abuse and will protect you where you are legally liable for allegations made against you of sexual, mental and physical attacks on service users.

Question

Is there anyone in your company to help us with registration issues that we may encounter?

Answer

We have an independent registration consultant retained solely by us, who helps our clients with any queries they may have. Our legal helpline can also assist you in keeping your business operational.

Question

Do I need separate liability insurance for a care fundraising event I am organising?

Answer

Most fundraising events are automatically covered by the charity liability insurance section of our policy, but for others we may need additional information to provide you with adequate cover.

Question

Do I need to extend my care policy to cover the changes in the Corporate Manslaughter Act?

Answer

No, you do not need to extend your policy. Corporate Manslaughter Defence Costs cover has been included within our policy since the Act came into force in 2008.

Are care volunteers covered?

Question

Are care volunteers covered?

Answer

Yes, our definition of an employee includes both paid and volunteer members of staff, hence cover is extended to volunteers in all relevant sections of your policy.

Question

How can I pay for my care and medical insurance premium?

Answer

You can pay by credit card, debit card or monthly direct debit.

Question

Can I pay in instalments?

Answer

Yes. If you would prefer to spread the cost of your policy, you have the option of setting up a direct debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

Question

Where can I find more information about monthly Direct Debit for liability cover?

Answer

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.