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Care and Medical Insurance
Our range of care and medical cover products aims to help those who care for the vulnerable, including care homes, nurseries, surgeries, residential homes, hospices, sheltered accommodation, supported living, housing associations and domiciliary care.
- We also offer liability insurance for healthcare professionals, allowing you to continue providing care with confidence.
- Our cover is tailored to your industry, and designed to give specialist cover to ensure that you or your institution has sound financial back up.
- UK-Based support
We also insure
Chiropodists and Podiatrists
Complementary Therapists
Counsellors
Dance Teacher
Dental Laboratory
Dental Practice
Foster Home
Hospice
Life Coach
Hypnotherapy
Independent Schools
Locum
Mediators
Mobility Home
Opticians
Massage Therapist
Nutritional Therapist
Personal Trainer
Pilates Instructor
NLP Practitioners
Pharmacy
Physiotherapist
Professional Indemnity Care
Psychologists
Reiki
Schools
School Trips and Travel
Sports Therapy
Surgery
Talking Therapist
Translators and Interpreters
Veterinary Practice
Vicarious Liability
Yoga
Zumba Instructor
Care and medical insurance FAQs
For their own liability reasons you are unlikely to find an insurance company who will advise you on how much cover you need. It is your responsibility to take out adequate cover although our advisers can go through your options over the phone and explain how you might want to calculate this cost. Alternatively, many industry organisations or professional bodies will likely be able to offer you general advice.
Professionals who send out products, offer advice, or provide some services from their own home can still cause harm for which they may be liable. For this reason it’s important you don’t make an assumption that you can’t do any damage when working from your own home, and speak with an adviser about your risks.
When you stop trading, or retire, we recommend you still have something called ‘run off’ cover. This means that claims raised against you for an event that happened while you were still trading are covered (a claim can be raised any time up to 3 years after the fact). When you are ready, we can arrange cover for you for this.
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*. 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.
Many of our customers can get a discount on their insurance simply by being a member of a professional association or industry body. What’s more, for many of these, we also offer profession specific policies too. This means you can get specific cover with discounts! Speak to one of our advisers to find out how much you can save.
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.
Yes. The policy does not exclude abuse and will protect you where you are legally liable for allegations made against you of sexual, mental and physical attacks on service users.
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.
Most fundraising events are automatically covered by the charity liability insurance section of our policy, but for others we may need additional information to provide you with adequate cover.
No, you do not need to extend your policy. Corporate Manslaughter Defence Costs cover has been included within our policy since the Act came into force in 2008.
Yes, our definition of an employee includes both paid and volunteer members of staff, hence cover is extended to volunteers in all relevant sections of your policy.
You can pay by credit card, debit card or monthly Direct Debit.
Yes. If you would prefer to spread the cost of your policy, you have the option of setting up a direct debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).
If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.
Care and Medical insurance articles
01/08/2024
A Guide to Care Home Insurance
In this guide, we cover the essentials to getting the best care home insurance. Showing you what to keep an eye out for and how to protect your residents and yourself.
Read more01/03/2024
Dealing with Legal Issues as a Home Care Provider
Towergate Insurance recognises that not all home care providers have the resources to keep on top of new legislation coming out of parliament, as well as the steady flow of case law from the courts.
Read more26/02/2013
An Employer’s Duty of Care to Lone Workers
Without an understanding of the law, lone domiciliary care workers could be exposing your business to liability claims. Read on to find out more.
Read more05/07/2024
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 more02/05/2024
Care Liability Claims on the Rise. Why Should You Care?
This article explains what a care liability claim is and how you can react in the event of a claim against your business.
Read more31/10/2019
Top Tips for Keeping Your Home Care Business Running in Winter
Contingency planning in home care is vitally important and the winter weather never fails to challenge home care providers. Read on to find out what you can do to prepare.
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 more24/07/2024
Mitigate the Cyber Risks for Care Businesses Using Cloud Based Services
The risk of cyber crime is increasing, and care and medical organisations are no exception. Find out how to protect your business against this threat.
Read more27/07/2020
Protection for Care Industry Directors and Officers
As lockdown limitations are lifted businesses need to adapt to new regulations and restrictions, and cope with fluctuations in financial performance.
Read more25/03/2024
Top Tips for Renewing your Care Business Insurance
Read our top tips for renewing your business insurance.
Read more03/06/2024
Income Protection for Care and Medical Businesses
With rising numbers of self-employed people and small businesses across the UK it’s more important than ever to make sure you have the right protection.
Read more