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Domiciliary Care Insurance
Our dedicated team have helped protect domiciliary care businesses from their individual risks since 1982 and understand the challenges that you face.
- We mitigate risk, negotiate competitive premiums and tailor policies to your unique requirements
- Tailored cover suitable for a range of different home care providers
- Policy includes access to Markel Business Hub - a legal and HR platform hub
One of the UK's leading independent insurance brokers
Why choose domiciliary care insurance with Towergate?
Preferred and trusted domiciliary care insurance partners
Working closely with associations across the sector including Homecare Association, Care England and National Care Forum.
Over 40 years of domiciliary care insurance experience
We offer specialist solutions and pride ourselves on looking after all our clients from new start-ups to established businesses.
Dedicated specialist domiciliary care insurance advisers
Our team only work within the care insurance sector, so understand the importance of the work you do.
Domiciliary care public liability insurance
Cover of £10 million offered as standard with a £5 million inner limit for abuse.
About domiciliary care insurance
Domiciliary care providers and their businesses are varied and cater to many different users –whether it’s for those under or over 65, people with learning disabilities, mental health conditions including dementia. We can provide insurance for a range of home care including:
- Personal care
- Live-in care
- Supported Living (regulated)
- Nursing care
- Administering of prescribed and non-prescribed medicine
- Daycare centres
- Daily household tasks including gardening
- Companionship
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 unique requirements.
Liability insurance for home carers
Legal guidance with your domiciliary care insurance
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.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
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.
For full details of the policy exclusions and limitations please read the Policy wording provided when you receive your quote .
See our range of cover
Domiciliary care insurance articles and guides
05/07/2024
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 more31/07/2024
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 more11/08/2024
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
31/07/2024
Setting Up a Domiciliary Care Agency
Read our guide to setting up a domiciliary care company, including getting the right insurance.
Read more02/08/2024
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