DOMICILIARY CARE Insurance

Comprehensive Insurance for In-home Care

Care is an important aspect of healthcare, ensuring that people can leave hospital and be cared for in their community. Domiciliary care is a huge part of this, ensuring care is available for people in their homes whilst receiving support for illness, disability or old age.

If you’re a provider of domiciliary care, then it’s recommended that you’re protected with a domiciliary care insurance policy which can protect you from risks that may arise when providing in-home care.

What is Domiciliary Care Insurance?

Domiciliary care insurance, also known as home care insurance, is a type of insurance for care providers who are providing care to elderly or disabled residents. Domiciliary care is all about providing the right level of care to the client from their own home, allowing them to live independently on their own with assistance in day-to-day activities, household tasks and medication.

If you provide in-home care – either as an independent private carer or as a domiciliary care provider – then you’ll require domiciliary care insurance to protect you from the risks involved when providing care to elderly and disabled clients.

What Does Domiciliary Care Insurance Cover?

Domiciliary care insurance covers a number of different insurance areas, ensuring the policy you have protects you from each area of risk you might face as a business or individual carer when providing in-home care. Your policy can include:

Public Liability - Essential cover for if working near or around members of the public, especially if they’re the client or a relative who lives in their home. Public liability can cover both personal injuries and damage to property.

Employer’s Liability - A legal requirement for a company that employs staff, employer’s liability protects the company in the event an employee becomes injured, ill or suffers otherwise adverse effects when carrying out their job.

Professional Indemnity / Medical Malpractice - Professional indemnity protects you from negligence claims, which can range from not providing adequate care for a client to serious medical malpractice which can have fatal effects.

The Benefits of Domiciliary Care Insurance

Having a domiciliary care insurance policy ensures that your specific business requirements are taken into account when receiving protection for public liability, employer’s liability and professional indemnity. Due to the unique nature of in-home care, different scenarios and considerations have to be factored in when constructing a domiciliary care policy, and having one insurance policy that covers every area is much easier to manage.

At Forum Insurance, we can work with you to create a domiciliary care policy that suits you and your business, ensuring you’re covered for the eventualities you might face, and for the right level of cover too. Contact us today to start your quote.

We’re experienced in providing insurance to a range of different specialist businesses, including petrol stations, shops, construction companies and corporate healthcare providers.

RECENT POSTs