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Care Agency Insurance
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Care Agency Insurance
Whether you run a small home care agency or a large residential care provider, 1st Choice Insurance will help you find the most comprehensive and reliable care agency insurance tailored specifically to your business. We work with the UK’s leading care insurance providers, giving you access to a wide range of policies and coverage options.
By comparing multiple insurers on your behalf, we ensure you get robust protection for every aspect of your care agency, including public and employers’ liability, professional indemnity, abuse and molestation, business interruption, and more. With our expertise, you can have peace of mind knowing your care agency, staff, and clients are fully protected, allowing you to focus on delivering the highest standards of care.
Get an Insurance Quote Today
Our team at 1st Choice Insurance believes that everyone deserves great value on their insurance policies, which is why we offer great value policies. Call us today on 03301 081615 or complete our Get a Quote Form.
What is Care Agency Insurance?
Care agency insurance is a specialist policy designed for businesses in the health and social care sector. Care agencies have a duty of care to clients, residents, and staff, and any incident can result in costly legal action or damage to your reputation.
A robust care agency insurance policy protects your business by combining multiple types of cover under one policy, including:
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Buildings and Contents – Protects your premises and equipment.
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Employers’ Liability – Required by law if you employ staff.
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Public Liability – Covers accidents involving clients, visitors, or the public.
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Medical Malpractice / Treatment Risk – Protection against clinical errors or negligence.
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Professional Indemnity – Covers legal claims arising from advice or professional services.
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Directors & Officers Liability – Protects management against decisions that could lead to claims.
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Abuse & Molestation Cover – Specialist protection essential in care settings.
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Business Interruption – Safeguards your income if your agency cannot operate due to an insured event.
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Goods in Transit / Stock Cover – Protects items moved or stored.
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Resident’s Personal Liability & Money / Personal Assault – Additional protection for staff and residents.
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Legal Expenses & Breakdown / Plant Cover – Covers lifts, plant, or other essential equipment.
With 1st Choice Insurance, you can build a bespoke policy that meets the unique needs of your care agency, ensuring full protection from the most common and worst-case scenarios.
Who Needs Care Agency Insurance?
Care agency insurance is essential for:
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Residential care homes
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Nursing agencies
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Home care providers
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Health care services operating in the community
If your staff provide care or health services, accidents or allegations can have serious financial and reputational consequences. Even minor incidents can lead to legal claims or compensation requests, making it vital to have robust insurance in place.
At 1st Choice Insurance, we understand the care sector. We know the risks you face, from staff injuries to treatment claims, and we design policies to protect your business, clients, and employees.
What can Care Agency Insurance cover?
We really do believe we can offer the best cover and protection in the UK. We have access to more markets than most brokers, so we are better able to build 100% bespoke care insurance policies to meet the unique needs of your care agency. Typically, care agency policies will include:
- Building and contents
- Directors and officers
- Public Liability
- Employers’ Liability
- Abuse and molestation
- Treatment risk
- Resident’s Personal Liability
- Money and personal assault
- Book debts
- Business Interruption
- Professional Indemnity
- Inspection and Breakdown Cover: Plant/Passenger Lifts
- Legal Expenses
Why Choose 1st Choice Insurance?
1st Choice Insurance is a leading care agency insurance broker in the UK. We offer:
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Specialist Knowledge – Our team understands the risks and regulations of the care sector.
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Extensive Insurer Network – Access to over 80+ insurers, including top-rated providers.
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Bespoke Policies – Fully tailored coverage to match your agency’s size, services, and risk profile.
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Competitive Pricing – We compare multiple quotes to ensure value for money.
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Friendly and Efficient Service – Flexible payment options, instant email documentation, and expert advice.
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Comprehensive Protection – We identify gaps in cover and ensure your agency is fully protected.
By choosing 1st Choice Insurance, you can operate your care agency with confidence, knowing that staff, residents, and your business are safe.
Frequently Asked Questions about Care Agency Insurance
What is care agency insurance?
Care agency insurance is a specialist policy designed to protect care providers against risks such as employee injuries, client incidents, treatment claims, and property damage.
Who needs care agency insurance?
Any agency providing care, nursing, or health services needs this coverage, from small home care agencies to large residential care providers.
What does a care agency policy cover?
Typical coverage includes: buildings & contents, public & employers’ liability, professional indemnity, treatment risk, directors & officers liability, abuse & molestation, business interruption, stock/goods in transit, and legal expenses.
Is care agency insurance legally required?
Yes, if you employ staff, employers’ liability insurance is mandatory. Other coverage, like public liability or treatment risk, is highly recommended to protect your agency.
Can I tailor my care agency insurance policy?
Absolutely. Policies can be customised to suit your agency’s size, services, and risk profile.
Why should I choose 1st Choice Insurance?
We specialise in care sector insurance, compare policies from the UK’s largest insurers, and provide bespoke, competitive coverage. Our team ensures your business, staff, and clients are fully protected.
Does care agency insurance cover allegations of abuse or malpractice?
Yes, specialist coverage for abuse, molestation, and treatment risks can be included in your policy, ensuring protection in sensitive situations.
