Cover when providing care in other people's homes
We work with experts across the sector, including national and regional associations.
We have been working within the care industry for over 40 years.
Our team only work within the care insurance sector, so understand the importance of the work you do.
Access to Markel Business Hub and a 24/7 stress helpline
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.Get a Quote
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.
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
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).
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