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Over 2000 insurance specialists ready to support you

Domiciliary Care Insurance

Cover when providing care in other people's homes.

  • Cover includes public liability insurance at £10 million as standard (£5 million inner limit for abuse)
  • Tailored cover suitable for many forms of 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 4252 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 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!
Get a Quote

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

A Guide to Care Home Insurance

In this guide, we cover the essentials to getting the best care home insurance. Showing you what to keep an eye out for and how to protect your residents and yourself.

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Dealing with Legal Issues as a Home Care Provider

Towergate Insurance recognises that not all home care providers have the resources to keep on top of new legislation coming out of parliament, as well as the steady flow of case law from the courts.

Read more

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

Safety for Care Home and Hospice Gardens

Read our guide for care home and hospice professionals to keeping your residents safe when enjoying the health benefits of gardening.

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Care Liability Claims on the Rise. Why Should You Care?

This article explains what a care liability claim is and how you can react in the event of a claim against your business.

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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