Domiciliary Care Insurance

While providing domiciliary care, self-employed professionals are often exposed to several inherent risks. Despite their most sincere efforts, many things can go wrong. For example, some patients may experience an adverse allergic reaction to medication or treatment. Sometimes, elderly patients may trip or fall and get injured while receiving close care treatment.

As a result, the accountability for such accidents befalls the agency providing domiciliary care services and can have legal consequences. All these possibilities necessitate having specialised domiciliary care insurance.

Gallagher collaborates with insurers to ensure tailored care insurance coverage for your agency.

Secure your coverage now or call us on 01625 348029 to talk to a specialist! 

What is domiciliary/home health care insurance?

Domiciliary care insurance is a protective shield for your caregiving work. If accidents occur and your agency-appointed caregiver unintentionally injures the patient or causes any property damage, the patient’s family may sue you for compensation. In such a case, domiciliary care insurance can offer you protection, depending on the policy cover.

Your home health care insurance covers public liabilities and treatment risks. It also offers employer liability insurance, protecting your business against employee claims.

What is covered by domiciliary care insurance?

Domiciliary care insurance offers a wide range of coverage to protect your caregiving services from service-related risks.
Here is a brief overview of what is covered:

• Employers’ liability: Safeguards your agency from legal liabilities arising from injuries or illnesses that employees of the caregiving agency suffer while performing their duties.
• Public liability: Covers the caregiving agency if a third party, such as a client or visitor, suffers injury or property damage due to the agency’s activities.
• Contents and computers: Covers the office space with equipment of the caregiving agency against risks such as theft, fire, or damage, including computers and other essential tools.
• Business interruption: Provides financial support to cover lost revenue if the agency’s operations are disrupted by unforeseen events like fire or natural disasters.
• Professional indemnity: Covers the caregiving agency against negligence claims by its staff, including legal expenses and compensation payments.
• Abuse and molestation: Protects against claims related to allegations of abuse or molestation by the care staff members.
• Treatment risk: Protects against liabilities arising from any treatment or care provided by the carer, ensuring protection against adverse outcomes or incidents.
• Theft of customer’s property: Covers for theft or damage to customers’ property while under the care of the agency’s staff.

Additional covers include:

• Buildings: This covers the physical structure of the caregiving agency’s premises against risks such as fire, vandalism, or natural disasters.
• Personal Accident: Covers accidents resulting in injury or death to staff members while on duty.
• Legal Expenses: Covers the costs incurred on the care agency in defending various legal disputes, including employment-related contracts.

Who is eligible to be covered by domiciliary/home health care insurance?

Domiciliary care insurance covers care agencies and supported living agencies, helping them manage risks and protecting patients and caregivers from public liabilities. If you run an agency where you appoint specialists to take care of patients in their homes, you can opt for this home care insurance.

Why do you need domiciliary care insurance?

Care giving requires an empathetic approach. The role of a caregiver goes beyond providing medical assistance and support — the patient should feel safe in their presence. However, despite their solemn efforts, some caregiver’s may fall, and in that case, clients may hold the agency accountable.

Benefits of domiciliary care insurance:

• Domiciliary care insurance safeguards your business against liabilities and risks inherent in caregiving;
• It helps you meet regulatory requirements, ensuring legal adherence and professional standards; and
• It offers coverage against the caregiver’s shortcomings or client dissatisfaction, mitigating financial risks.

Why choose Gallagher?

Our 25 years of trusted reputation and tailored insurance solutions allow care agencies to focus on providing exceptional care facilities without worrying about financial setbacks.
That’s why we offer:

• Customisable policies are tailored to your needs and budget, providing worldwide coverage.
• You will get Gallagher’s valuable risk management advice to help mitigate potential risks.
• We ensure that the most suitable provider conducts thorough insurance reviews and policy compliance with local authorities and the CQC.
• Monthly payment options to spread the cost.

How do I arrange a claim?

It is easy to place a claim request with Gallagher. You need to follow these simple steps:

• Step 1: Keep your insurance documents handy, including your policy number and all necessary information.
• Step 2: Prepare relevant photos and documents for a speedy assessment process.
• Step 3: Contact us by phone at 01625 348029, arrange a call back  or email us at claims@gallagher.com. Our specialists will guide you through each step to ensure an easy claim process.

Frequently asked questions