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Domiciliary Care Insurance
Cover when providing care in other people's homes.
- Domiciliary care insurance includes public liability cover at £10 million as standard (£5 million inner limit for abuse)
- Tailored cover suitable for many forms of domiciliary care including personal, nursing or night care
- Cover includes access to Markel Business Hub and a 24/7 stress helpline
One of the UK's leading independent insurance brokers
Why choose domiciliary care insurance with Towergate?
Insurance partners of Homecare Association, Care England and National Care Forum
We work with experts across the sector, including national and regional associations.
40 years of domiciliary care insurance experience
We have been working within the care industry for over 40 years.
Dedicated specialist domiciliary care insurance advisers
Our team only work within the care insurance sector, so understand the importance of the work you do.
Legal and HR platform with your domiciliary care cover
Access to Markel Business Hub and a 24/7 stress helpline
About domiciliary care insurance
A team of care insurance specialists
The care industry faces a set of unique risks which our care policies are designed to cover, including medical malpractice insurance and protection against loss of registration. Our trained advisers are on hand to discuss your risks and cover your home care business for the risks you may face.
Liability insurance for home carers
Legal guidance with your domiciliary care insurance
When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.
- Find your insurance documents and make sure you have all your information at hand, including your policy number.
- Call us on 0330 123 5921 or email careclaims@towergate.co.uk and explain exactly what happened.
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
Domiciliary care insurance FAQs
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*.
*Discount is applied before Insurance Premium Tax at the current rate and customer service charge. All cover is subject to insurers terms and conditions.
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.
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.
This policy does not cover any claims relating to Coronavirus including COVID-19 and SARS CoV-2, cyber incidents, wear and tear or Communicable Disease (there is however an option to buy back some Communicable Disease cover).
See our range of cover for domiciliary care
Domiciliary care insurance articles and guides
05/07/2024
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 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 more02/08/2024
Creating a Person-Centred Care Culture
If you work in the medical sector, you’ll likely be familiar with the term ‘patient-centred care’, which describes an approach towards caring for patients that is shaped by the patient’s own vision for their healthcare journey.
Read more11/08/2024
Supporting Staff with the Care Certificate
Successfully completing the certificate not only enables new recruits to take the first step in a career in health and social care, but it also provides invaluable knowledge that will help them to provide compassionate care within your workplace.
Read more
31/07/2024
Setting Up a Domiciliary Care Agency
Read our guide to setting up a domiciliary care company, including getting the right insurance.
Read more02/08/2024
Domiciliary Care Staff Driving for Work: Employer Responsibilities
Learn about your responsibility, as an employer, for domiciliary care staff who drive at work.
Read more