Care and Medical Insurance

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.

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.

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.

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

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

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

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.

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.

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.

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.

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.

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.

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?

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.

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

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).

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