insurance guide
A Guide to Home Care Insurance
Domiciliary care companies have legal requirements and vital business protection considerations when getting the right insurance. Our guide talks you through some of the care...
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Protection that travels with you when caring for others away from your business premises.
Or contact us directly for a tailored home care policy
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Care services and their businesses come in all shapes and sizes, and cater to many different users – from self employed or private carers, to larger agencies. So whether you provide personal, nursing or night care, carer respite services, household and gardening duties or one of many other forms of care, we can offer a tailored insurance solution, specific to your industry, designed with your risks in mind.
As well as the more standard business insurances the care industry face a set of unique risks which our care policies are designed to cover. These include things like medical malpractice insurance, infectious disease cover and protection against loss of registration. Our trained advisers are on hand to discuss your risks and cover your home care business for all the risks you may face.
Our domiciliary care policies, like most, will include public liability insurance for carers at £5 million as standard. However, there are times when you may need to temporarily or permanently raise this limit to £10 million in order to tender for a public contract. We offer you flexible limits so you won’t miss out on quality contracts, or the chance to grow your business.
As part of our domiciliary care policy, we offer you access to a HR portal - elXtr provided by Abbey Legal. With access to fact sheets, legal documents, legal news and an employee handbook specifically designed for the care sector, elXtr offers guidance and information for any legal issues you may have. Whether you’re looking for advice for a potential problem or just want some facts on a certain topic, with our policy you will have access to this service 24-7 for the duration of your policy, meaning you will always have up to date documents and legislation for your business.
Our in-house home care insurance claims handlers are available Monday to Friday between 9am and 5pm to support you. Furthermore, if you have a more urgent concern, we offer a 24-hour helpline.
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insurance guide
Domiciliary care companies have legal requirements and vital business protection considerations when getting the right insurance. Our guide talks you through some of the care...
View insurance guide
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Employers owe a duty of care to their employees under health and safety law, to ensure the risks of driving at work are managed under an effective health and safety system. It is therefore important that your employer has procedures in place to ensure that the vehicles you use conform to the road traffic laws and are safe and properly maintained.
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As a home care provider, you may not 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. Home care insurance can include legal expertise to provide you with the expertise you need, when you need it. elXtr, provided by Abbey Legal, will empower your business to maximise its legal rights and control its legal obligations.
We pay for replacement locks up to a maximum amount of £2000.
Yes. We provide cover 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 UKHCA 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.
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 for the likes 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.
If you would like to spread the cost of your policy we offer the option to set up a direct debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).
To understand more about how PCL work together with Towergate, please read our regulatory information.