Yes. Under the Employers Liability (Compulsory Insurance) Act, all organisations that have staff are required by law to have employers liability insurance. There is an exception to the rule if you are a sole trader employing close family members.
Specialist insurance for domiciliary care providers
- Public liability insurance with £10 million as standard.
- Legal expenses included.
- Multiple payment options.
Why choose Marsh Commercial?
Domiciliary care insurance can be tailored to the needs of Care Quality Commission (CQC) registered care workers providing domiciliary services. These personal services can include home help and cleaning tasks, as well as providing companionship and welfare checks when necessary.
Our team of experts has years of experience supporting businesses in the care sector. We will help you find the right level of cover for a range of risks and liabilities faced by domiciliary care agencies in their day-to-day operations.
We take the time to manage your risks and arrange a tailored insurance solution that's right for your care business. So, you can focus on supporting the people you're caring for, knowing you, your business and your staff are protected.
Get domiciliary care insurance cover
Our domiciliary care insurance covers and features:
Standard covers*
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Public liability insurance with £10 million as standard.
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Employers liability insurance with £10 million as standard.
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Professional indemnity.
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Products liability.
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Legal expenses.
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Multiple payment options.
Optional covers*
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Personal accident.
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Errors and omissions.
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Contents insurance.
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Directors and officers
Clients we support with domiciliary care insurance
We work with a wide range of care businesses and care arrange the cover if your business provides any of these services:
- Personal care.
- Nursing care.
- Administering of prescribed and non-prescribed medicine.
- Night care.
- Carer respite service.
- Daycare centres.
- Supported living facilities.
- Meals on wheels.
- Cleaning, cooking and household tasks, shopping, laundry and gardening services.
If you offer additional services not listed here, please reach out to our team as we may also provide coverage for those services.
Get domiciliary care insurance cover
Frequently asked questions
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The level of cover you need depends on the risks your business faces. Cover can be anywhere from £2 million to £10 million or beyond. The clients you work with or local authority contracts you have tendered for may dictate the minimum value of cover you need.
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Yes. We would advise any business to have public liability insurance in place, whether you occupy a premises, work away, or visit people's homes as part of your work.
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You need to have employers liability cover as soon as your care business employs staff. Whether paid or not, if you have any person to whom you are responsible, you're at risk of legal action. "Staff" do not have to be paid or under contract to you. It includes anyone for whom you have a legal duty of care. So sometimes even sole traders need employers liability insurance.
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The level of cover you need will depend on many factors. We would need to assess your business and the risks it faces, then make recommendations. Other influences that can dictate how much cover you need are the types of people you care for, local authority requirements to meet your contract terms and any previous insurance claims you have made. In larger organisations, or where several employees are in one location, we'd recommend increased limits of cover are arranged.
You are legally required as an employer to have cover for compensation of at least £5million. Most policies offer cover for £10million.
