Specialist Domiciliary Care Business Insurance
We provide domiciliary care business and supported living insurance that can assist and protect the invaluable work your organisation does now, and into the future.
AbouT Domiciliary Care Business Insurance
Insurance for domiciliary care providers
At McClarrons, we operate a “not one shoe fits all” approach. We appreciate that domiciliary care providers vary in the type of care and support they provide, the individuals they support, and the technology used to deliver their services. We can assist with insurance for new start-ups, established agencies, supported living, day care provision, agency staffing and qualified nursing care.
We have access to several specialist insurance products for domiciliary care providers; this allows us to cater to your organisation’s needs and provide you with options of cover. Naturally, all of our proposals will meet the requirements of the Care Quality Commission (or equivalent) and Local Authority contracts.
What insurance do domiciliary care agencies need?
Employers' Liability insurance
Employers’ Liability insurance is required by law and covers the business against any legal action from employees in respect of an accident or injury suffered while at work. Should an employee launch a claim for compensation, for example, for a back injury incurred while moving a service user, this insurance policy can provide cover for defence costs as well as any potential compensation.
Public Liability insurance
Public Liability insurance covers you for action taken against the company by a third party. This could be a service user injuring themselves or having an accident while in your agency's care, for example. Public Liability insurance can cover your defence costs and any potential compensation if a claim is successfully instructed against the company. Typically, Public Liability will also extend to cover allegations of potential abuse made by a service user or their family.
Medical Malpractice insurance
Medical Malpractice occurs when a medical or health care professional, through a negligent act or omission, deviates from standards in their profession, thereby causing injury to a service user. This could be, for example, a failure to administer or prompt the use of medication.
Professional Indemnity insurance
This pays your legal costs, as well as any compensation payments that may be due, if your client takes legal action against you for a mistake you have made when providing professional services or advice that causes them a financial loss.
Ready to protect your domiciliary care business?
Other insurances for domiciliary care providers to consider
Directors & Officers insurance
D&O insurance covers company directors, managers and even employees, for claims made against them personally instead of the business. The claims made against individuals typically allege negligence, error or omission in the decisions made in the day-to-day running and operation of the business. Any allegations of wrongdoing naturally need to be investigated and defended, which can cost a significant amount, even if the case does not reach court. This means directors’ and officers’ personal finances are at risk, making it important for companies to provide protection through an insurance policy.
Legal Expenses insurance
There is a wide range of services covered under a Legal Expenses Insurance Policy; this can include cover in respect of property disputes, contract disputes and employment disputes. It is extremely important to understand the conditions applicable to a legal expenses policy, such as the prospect of success clause and advice precedent clause, which your broker should explain prior to cover being incepted.
Cyber insurance
As the world has evolved, general insurance policies have not adapted to include cyber threats. Cyber Insurance policies are instead available and can protect your business in respect of data breaches, ransomware, and cybercrime. There are also extensions available for Business Interruption and System Restoration in the event of cyberattacks that a typical domiciliary care insurance policy would not provide cover for. Given the amount of personal and sensitive data care organisations hold, cyber insurance is a key cover to consider and one we would highly recommend.
Loss Recovery insurance
This cover provides and pays for the cost of an independent loss adjuster to act on your behalf in the event of a claim. They will help you in the preparation of your claim, advise on remedial action and negotiate your claim with insurers. Having an expert working on your behalf at the time of a loss can be invaluable.
Buildings & Contents insurance
Considerable amounts can be spent on assets so it is important you have the correct buildings and contents insurance in place to protect them.
Why work with McClarrons?
Our specialist domiciliary care insurance team are experienced in providing both new start-ups and established domiciliary care companies with comprehensive insurance solutions and policies. Organisations like yours are often fraught with concern over legal implications and liability issues if things go wrong. Working with a specialist insurance broker can give you peace of mind around your protection.
In the event the worst does happen and you need to claim, our in-house Claims Team will ensure the process is as smooth as possible, guiding you through the claims process from start to finish. They will liaise with third parties, loss adjusters and insurers on your behalf, working to obtain you a fair settlement.
Domiciliary Care Insurance Claims
In domiciliary care, maintaining continuity of service is critical, even when unexpected incidents occur. Our in-house Claims Team is here to support you throughout the claims process, providing practical guidance and managing communication with insurers and third parties.
Whether dealing with liability claims, employee incidents or property-related losses, we work to ensure your claim is handled efficiently and fairly. With an understanding of the challenges faced by care providers operating in the community, we aim to minimise disruption and support a swift resolution. Our goal is to help you continue delivering essential care services while we manage the complexities of the claim on your behalf.
A word from McClarrons' Head of Care & Social Welfare
Discover the McClarrons Care Network
The McClarrons Care Network brings together three specialist businesses who work in the sector and cater for care organisations, and who, through the network, are offering McClarrons’ Care & Social Welfare clients discounted or enhanced benefits that aren’t otherwise typically available.
Through this network, we hope to help you improve your organisation in relation to risk and service, allowing you to focus on what is most important, delivering high-quality care to those who need it most.
What our clients say
Contact a domiciliary care insurance specialist
You can start your enquiry by filling in the contact form and one of our specialists will be in touch.
Alternatively, you can contact the team on 01653 600477.
Domiciliary care agency insurance not what you were looking for?
The McClarrons Care Network
Domiciliary Care insurance news
- Category: Care & Social Welfare Insurance News
- Category: Care & Social Welfare Insurance News
- Category: Care & Social Welfare Insurance News
- Category: Care & Social Welfare Insurance News, Care Homes
- Category: Care & Social Welfare Insurance News, Care Homes