Domiciliary Care Workers Insurance
Protect your home care business from client injury claims, medication errors and staff-related incidents with cover designed for domiciliary care providers.
Get in touchWhat is domiciliary care insurance?
Domiciliary care insurance is a specialist policy that protects businesses providing personal care, medication support and daily living assistance to clients in their own homes. It typically includes public liability, employers liability and professional indemnity.
Caring for people in their homes creates unique liability risks. If a carer accidentally injures a client, damages their property, or makes a medication error, the right insurance covers the resulting claim.
Find cover options from specialist insurers who cover home care providers, ensuring your policy reflects the type of care you deliver and the number of clients you support.
Public Liability
Covers claims from clients or their families for injury or property damage.
Employers Liability
Required by law, covering injury and illness claims from your care workers.
Professional Indemnity
Covers claims arising from care decisions, medication support or treatment advice.
Commercial Vehicle
Covers vehicles used by care workers travelling between client homes.
Who needs domiciliary care insurance?
Home care agencies
Providing personal care and daily living support in clients' homes
Live-in care providers
Placing carers to live with clients requiring 24-hour support
Specialist home care providers
Delivering complex care packages for clients with specific conditions
Reablement services
Providing short-term intensive support to help clients regain independence
Self-employed carers
Working independently as a registered home care provider
WHY CECIL
Built differently.
Cover for care in clients' homes
Providing care in someone else's home creates specific property damage and injury risks. Cecil finds insurers who cover domiciliary care properly.
Medication support protected
If your carers assist with medication and an error occurs, professional indemnity covers the claim. Cecil includes this as standard.
Vehicle cover for care rounds
Care workers travel between clients daily. Cecil can include commercial vehicle cover for your care fleet.
Competitive quotes for care providers
Get options from specialist insurers to find domiciliary care insurance from specialist care sector insurers. Relevant cover, fair prices.
Common questions about domiciliary care workers insurance
Do domiciliary care providers need public liability insurance?
Yes, public liability is essential for home care providers. You are working in clients' homes where accidental damage and injury risks exist.
Does home care insurance cover medication errors?
Yes, professional indemnity covers claims arising from medication support errors, including wrong dosage or missed medications.
Do I need employers liability for care workers?
Yes, if you employ care workers, employers liability is a legal requirement with minimum cover of £5m.
Does domiciliary care insurance cover damage to clients' homes?
Yes, public liability covers accidental damage to clients' property caused by your care workers during the course of their duties.
What level of public liability do home care providers need?
Most domiciliary care providers carry between £2m and £5m. Local authority commissioners may specify minimum levels.
Interested in Domiciliary Care Workers insurance?
We will be in contact when Cecil launches.