If a member of staff loses the keys to the service user's home, does my policy cover this?
We pay for replacement locks up to a maximum amount of £2000.
If an employee was found to have stolen property or money belonging to a service user, would our policy cover this?
Yes. We provide cover up to a maximum of £25,000, if you are legally liable.
What is the Stress Helpline and who can use it?
The Stress Helpline is a 24-hour confidential telephone helpline and is available for you or any employee of your business to use.
What additional benefits are available to UKHCA members?
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.
Will legal advice be offered by trained solicitors or barristers, with experience within the care sector?
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.
Does my domiciliary care policy include abuse cover?
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.
Is there anyone in your company to help us with registration issues that we may encounter?
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.
Where can I find more information about monthly Direct Debit?
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.