Domiciliary Care Insurance
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Specialist Insurance for Home Care & Domiciliary Care Providers
Providing care in people’s homes comes with unique responsibilities. Whether you operate a domiciliary care agency, employ carers who travel between clients or provide live-in care services, having insurance that reflects the way your business operates is an important part of protecting your organisation.
At 1st Choice Insurance, we help home care providers across the UK arrange domiciliary care insurance through our panel of insurers. Whether you’re an established care agency or a newly formed business, we’ll take the time to understand your requirements and explain the insurance options available.
Get a Domiciliary Care Quote Today
If you are looking for Domiciliary Insurance, our team can help you arrange cover for your care business through our panel of insurers.
Call us today on 03301 081615 or complete our quote form below.
What is Domiciliary Care Insurance?
Domiciliary Care Insurance is a package of business insurance designed for organisations and individuals providing care and support in clients’ homes.
Depending on the way your business operates, your insurance can include a range of covers designed to protect against risks associated with delivering care in the community.
Insurance can often be arranged for:
- Domiciliary Care Agencies
- Home Care Providers
- Live-in Care Providers
- Self-employed Carers
- Personal Care Assistants
- Supported Living Providers
- Community Care Organisations
- Specialist Care Providers
The level of cover required will depend on the services you provide, the number of employees you have and the risks associated with your business activities.
Why is Domiciliary Care Insurance Important?
Unlike businesses that operate from a single location, domiciliary care providers regularly visit clients in their own homes and support vulnerable people in a wide range of environments.
This can create different risks, from liability claims and allegations of professional negligence to cyber incidents involving sensitive personal information.
Having appropriate insurance in place can help protect your business against a range of insured events while supporting your contractual and regulatory responsibilities.
What Can Domiciliary Care Insurance Include?
The cover available will vary depending on your business and the insurer selected, but may include:
Employers’ Liability Insurance
A legal requirement for most businesses employing staff, Employers’ Liability Insurance helps protect your organisation if an employee suffers a work-related injury or illness and your business becomes legally liable.
Public Liability Insurance
Public Liability Insurance may provide protection if your business becomes legally liable for injury to a third party or damage to their property arising from your business activities.
Professional Indemnity Insurance
Professional Indemnity Insurance may provide protection against allegations of negligence, errors or omissions relating to the professional services you provide.
Medical Malpractice Cover
Depending on the services your business provides, Medical Malpractice Insurance may be available where appropriate.
Business Interruption Insurance
Business Interruption Insurance may help with certain financial losses if your business is unable to operate following an insured event, subject to the policy terms.
Cyber Insurance
Many home care providers rely on digital care records and electronic systems. Cyber Insurance may help businesses respond to cyber incidents such as data breaches or ransomware attacks, depending on the cover selected.
Equipment & Contents Insurance
Insurance may also provide cover for business equipment, office contents and other essential assets against insured events, depending on the policy selected.
Benefits of Domiciliary Care Insurance
Having appropriate insurance in place can help provide financial protection against a range of risks that home care providers may face as part of their day-to-day operations.
Depending on the cover arranged, it may help your business by:
- Providing financial protection against certain claims and legal costs.
- Helping protect your business if an employee suffers a work-related injury or illness.
- Supporting your organisation following certain insured events that interrupt normal business operations.
- Helping protect specialist equipment and business assets against insured events.
- Providing access to support following certain cyber incidents, depending on the policy selected.
- Meeting contractual insurance requirements where applicable.
- Giving you confidence that your insurance reflects the way your business operates.
The level of protection available will depend on the policy arranged and the insurer’s terms, conditions and exclusions.
Who Can Benefit from Domiciliary Care Insurance?
Domiciliary Care Insurance can often be arranged for a wide range of organisations and individuals delivering care within the community.
This may include:
- Home care agencies
- Domiciliary care providers
- Live-in care providers
- Self-employed carers
- Personal care assistants
- Supported living providers
- Community care organisations
- Learning disability support services
- Mental health support providers
- Specialist care providers
- Newly established care businesses
- Multi-location care providers
Whether you support a small number of clients or manage a larger care organisation, insurance can often be tailored to reflect your business activities and the services you provide.
Common Risks Faced by Domiciliary Care Providers
Every care business is different, but home care providers often face risks that are unique to delivering care within clients’ homes.
These may include:
- Accidental injury claims
- Allegations of professional negligence
- Employee injuries
- Damage to third-party property
- Cyber incidents involving sensitive personal data
- Loss or damage to business equipment
- Business interruption following an insured event
Understanding these risks can help when reviewing your insurance requirements and ensuring your cover reflects the way your business operates.
Why It’s Important to Review Your Insurance
As your business grows, your insurance requirements may change.
You may take on additional staff, support more clients, expand into new areas or introduce new services. Regularly reviewing your insurance can help ensure your cover continues to reflect your business activities.
It’s often worth reviewing your insurance if you’ve:
- Increased your turnover
- Recruited more employees
- Expanded into new locations
- Started providing additional care services
- Purchased new equipment
- Moved premises
Insurance for Every Stage of Your Business
Whether you’re starting a new domiciliary care business or managing an established organisation, we can help you arrange insurance through our panel of insurers.
We can assist with:
- Newly established care providers
- Growing home care agencies
- Established domiciliary care businesses
- Multi-location organisations
- Live-in care providers
- Specialist care providers
Whatever stage your business is at, we’ll take the time to understand your requirements and explain the insurance options available.
Frequently Asked Questions
What is domiciliary care insurance?
Domiciliary care insurance is specialist business insurance designed for organisations and individuals providing care services within clients’ homes. It can help protect against a range of operational, professional, and legal risks.
Why do home care providers need domiciliary care insurance?
Home care providers face unique risks associated with delivering care in the community. Appropriate insurance can help protect against claims, legal costs, compensation payments, and business interruptions.
What insurance does a domiciliary care business typically need?
Many domiciliary care businesses consider a combination of public liability insurance, professional indemnity insurance, employers’ liability insurance, medical malpractice cover, and business interruption insurance, depending on their activities.
How do I determine the level of cover my business requires?
The level of cover will depend on factors such as the services provided, business size, employee numbers, client numbers, and overall risk profile. A detailed assessment of your activities can help determine suitable cover levels.
Can self-employed carers obtain domiciliary care insurance?
Yes. Self-employed carers can arrange insurance cover designed to reflect the services they provide and the risks associated with their work.
How can I arrange a domiciliary care insurance quote?
You can contact our team to discuss your requirements and obtain a quote tailored to your domiciliary care business.
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