Home Care Insurance
What Is Home Care Insurance?
Providing care in someone’s home feels personal in a way that other work doesn’t. You’re stepping into their space, looking after them where they live, and that’s a big responsibility. It’s also a situation where, if something goes wrong, the consequences can be serious.
Home care insurance (sometimes referred to as Domiciliary Care) is designed to protect carers, agencies, and businesses that deliver support in people’s own homes. It can help cover claims if an accident happens, a mistake is made, or property gets damaged while you’re working. Sometimes it’s about covering the obvious risks. Other times it’s about the ‘never thought that could happen’ scenarios.
Brents has been helping care providers – including home care agencies – find cover that actually matches what they do for over 30 years. We’ve seen policies that look fine on paper but miss critical details. We make sure you’re not relying on the small print when you need real support.
Types Of Home Care Insurance
There isn’t one single ‘home care insurance’ policy – it’s usually a combination of covers that work together.
The mix depends on the services you provide and how your business operates. Some of the most common include:
Public Liability Insurance
If a client, family member, or visitor is injured or their property is damaged during a visit, this is the cover that responds.
Employers’ Liability Insurance
Legally required if you employ staff, covering workplace injury or illness claims.
Professional Indemnity Insurance
Protects against claims that your service, advice, or care caused harm or loss.
Business Equipment Insurance
For portable items you use during visits, from laptops to medical devices.
Business Interruption Insurance
Covers lost income if something stops you from working, like a fire in your office base.
Cyber Insurance
Many home care businesses store sensitive personal data, and cyber cover protects against breaches and hacks.
Medical Malpractice Insurance/Treatment Liability Insurance
If you provide personal care or medical assistance, this can cover allegations of errors or negligence.
Some providers need all of these. Others just a few. It’s about matching the cover to the reality of your work.
Home Care Insurance
Who Is Home Care Insurance For?
It’s not just for big agencies with fleets of carers on the road. Home care insurance (also known as domiciliary care insurance) is relevant for:
- Small home care agencies with a handful of staff
- Larger agencies managing multiple carers and a full client list
- Specialist home care providers working with clients with complex needs
- Healthcare professionals offering services in the home, such as physiotherapy or nursing
The scale of your work might change what you need – but the basic idea of protecting yourself, your staff, and your clients stays the same.
Do I Need Care Home Insurance?
If you’re working in people’s homes – whether you’re self-employed or running a team – insurance isn’t just a nice-to-have it’s a requirement from the care quality commission, local authorities, or lenders and funding bodies.
- Do you employ staff? Employers’ Liability Insurance is a requirement by law.
- Going into clients’ homes? Public Liability Insurance is a regulatory requirement of the CQC.
- Providing care that could affect someone’s health or wellbeing? Professional Indemnity and possibly Medical Malpractice will be important.
- Using specialist equipment or tech? Make sure it’s covered with Business Equipment Insurance.
How Much Does Home Care Insurance Cost?
Costs vary, sometimes more than people expect. They’re shaped by things like:
- The size of your business - one carer or a whole agency team
- The services you provide - personal care, nursing, companionship
- Where you operate - some areas have higher claims risk
- Your claims history
- The equipment or vehicles you use
It’s not always about finding the cheapest premium – it’s about finding cover that would actually work if you had to use it. That’s where a broker like Brents makes the process less of a guessing game. We’ll look at what you do, where you work, and what could go wrong, then make sure your policy is ready for it.
Home Care Insurance
Get A Home Care Insurance Quote
Brents Insurance has access to a panel of Insurers with policies designed for Domiciliary Care and Home Care service providers.
We understand the nature of your work, the risks involved and how best to insure them. We take your individual business details and then search our Insurer Panel to find the right policy cover for you at the most competitive premium. We are not tied to any single scheme or Insurer so can offer you impartial advice and guidance and will continue to do so each time your policy is due for renewal.
We have access to leading Domiciliary & Home Care insurance policies and we’re confident that just one call to Brents Insurance will be the solution to arranging the right Home Care Insurance for your situation.