Domiciliary care insurance provides specialised protection for businesses delivering care services in clients homes. It typically includes public liability, professional indemnity, employer’s liability, and additional optional covers relevant to care professionals.
SynergiseUK works with trusted insurers to match your care organisation with the right policy.
Who Is It For
Domiciliary care insurance is suitable for:
- Home care agencies and service providers
- Self employed carers offering domiciliary services
- Families organising in home care for loved ones
- Property owners who are a Homeowner, Landlord, or Tenant hosting care services
What Does It Cover
- Public liability for care related incidents
- Professional indemnity for care advice or planning
- Employer’s liability for employed carers
- Business equipment and property cover
- Optional cover for malpractice or abuse claims
- No Excess
- Public Liability Insurance up to £5 million
- Loss or Damage to Property
- Personal Accident
- Legal Expenses
- Employers Liability Insurance up to £10 million (For those directly employed)
- Free Employment Law Guide (For those directly employed)
- Redundancy Cover (For those directly employed)
- Accidental injury to any person.
- No Hidden Fees
Why Choose This Insurance
- Comprehensive protection for in home care operations
- Helps meet legal and professional requirements
- Peace of mind for providers, carers, and clients
- Tailored cover for the complexities of domiciliary care
This policiy is underwritten by SAGIC being The Salvation Army General Insurance Corporation, which are wholly owned by The Salvation Army. Which means when you buy this policy from some of our providers, you will be helping The Salvation Army support people in need and gives you an ethical, trustworthy underwriter to look after you in the event of a claim.
Important Considerations
- Understand legal duties as a care provider
- Confirm limits for professional indemnity
- Know what client environments are included
- Check if abuse/malpractice cover is optional or included
Protect Your Domiciliary Care Today
Keep your care service protected with tailored insurance solutions.
Frequently asked Q&A's
It’s specialist insurance for carers providing home-based support, covering public liability, personal injury, and claims arising from care activities.
Self-employed carers, home-care assistants, and anyone delivering care in clients’ homes.
It covers public liability, professional indemnity, legal expenses, and accidental damage to clients’ property.
Yes, policies follow you wherever you work, including private homes and community care settings.
Yes, public liability protects you if a client is accidentally injured during your care.
Yes, professional indemnity covers advice, errors, or mistakes made during care.
Most policies offer optional personal accident cover if you are injured while working.
Many policies cover loss or damage to clients’ belongings or equipment you use during care.
Yes, it’s strongly recommended, and often required by councils and private clients.
Some insurers offer multi-carer or team policies for small care businesses.
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