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Domiciliary Care Insurance

Cover when providing care in other people's homes.

  • Domiciliary care insurance includes public liability cover at £10 million as standard (£5 million inner limit for abuse)
  • Tailored cover suitable for many forms of domiciliary care including personal, nursing or night care
  • Cover includes access to Markel Business Hub and a 24/7 stress helpline
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If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

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Overall service rating 4.6 / 5

Based on 4839 customer reviews

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Why choose domiciliary care insurance with Towergate?

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Insurance partners of Homecare Association, Care England and National Care Forum

We work with experts across the sector, including national and regional associations.

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40 years of domiciliary care insurance experience

We have been working within the care industry for over 40 years.

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Dedicated specialist domiciliary care insurance advisers

Our team only work within the care insurance sector, so understand the importance of the work you do.

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Legal and HR platform with your domiciliary care cover

Access to Markel Business Hub and a 24/7 stress helpline

About domiciliary care insurance

Domiciliary care providers and their businesses are varied and cater to many different users – from self-employed or private carers, to larger agencies. Whether you provide personal, nursing or night care, carer respite services, household and gardening duties or supported living care, we can offer a tailored insurance solution, designed to cover your specific risks and challenges.

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A team of care insurance specialists

The care industry faces a set of unique risks which our care policies are designed to cover, including medical malpractice insurance and protection against loss of registration. Our trained advisers are on hand to discuss your risks and cover your home care business for the risks you may face.

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Liability insurance for home carers

Managing and reducing your business risks can help lower your premium. Your insurer will provide you with endorsements applicable to your policy, which in turn may outline certain safety measures. Following them will not only help reduce the likelihood of accidents but also support a potential claim. Our advisers can help you find ways to mitigate risk and negotiate discounts on your behalf.

 

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Legal guidance with your domiciliary care insurance

As part of our policy, you get access to Markel Business Hub. With access to fact sheets, legal documents, legal news and an employee handbook specifically designed for the care sector, Markel Business Hub offers guidance and information for legal issues you may have.

 

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call us on 0330 123 5921 or email careclaims@towergate.co.uk and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
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Domiciliary care insurance FAQs

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*.

*Discount is applied before Insurance Premium Tax at the current rate and customer service charge. All cover is subject to insurers terms and conditions.

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.

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.

This policy does not cover any claims relating to Coronavirus including COVID-19 and SARS CoV-2, cyber incidents, wear and tear or Communicable Disease (there is however an option to buy back some Communicable Disease cover).

Read more FAQs

Domiciliary care insurance articles and guides

Using Your Personal Vehicle as a Home Carer

Employers owe a duty of care under health and safety law to ensure the risks of home carers driving at work are managed.

Read more

Why You Should Not Cancel Your Care Professional Liability Insurance

If you are travelling with pre-existing medical conditions, read our tips to help you have a safe and comfortable journey.

Read more

Creating a Person-Centred Care Culture

If you work in the medical sector, you’ll likely be familiar with the term ‘patient-centred care’, which describes an approach towards caring for patients that is shaped by the patient’s own vision for their healthcare journey.

Read more

Supporting Staff with the Care Certificate

Successfully completing the certificate not only enables new recruits to take the first step in a career in health and social care, but it also provides invaluable knowledge that will help them to provide compassionate care within your workplace.  

 

Read more

Setting Up a Domiciliary Care Agency

Read our guide to setting up a domiciliary care company, including getting the right insurance.

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Domiciliary Care Staff Driving for Work: Employer Responsibilities

Learn about your responsibility, as an employer, for domiciliary care staff who drive at work.

Read more