Coronavirus help and support for our insurance customers
Protection that travels with you when caring for others away from your business premises.
No, we do not need to know how many clients you will be seeing throughout the policy year.
We do not need to see a copy of these. We will insure you on the utmost faith that you have experience and qualifications in the area that you would like to be insured for. If a claim was made against you this may be when we would need to see evidence of necessary qualifications.
Yes, we do not specify where or how you studied.
No, we do not specify the age of the therapist for our cover.
Yes we can provide cover for you to work outside of the UK as long as you live and are based in the UK and do not have any assets in the country you would like to work in, for example a house.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
Or contact us directly for a tailored home care policy
Weekdays 8.30am - 5.30pm
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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, Markel Law Hub. With access to fact sheets, legal documents, legal news and an employee handbook specifically designed for the care sector, Markel Law Hub 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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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.