For adults that have age-related impairments or physical, mental or visual disabilities, it may be difficult for them to live independently in their own familiar surroundings. Domiciliary care organisations can provide these adults with specialised assistance: personal assistants, care agency staff members or local authority homecare service providers are able to visit patients’ homes and help them with any daily activities that they would be otherwise unable to safely complete.

However, as domiciliary care is provided in a private residence as opposed to an assisted living or medical facility, there are inherent risks to both the care provider and the patient. While your domiciliary care organisation could mitigate these risks by implementing standard comprehensive care, domiciliary care insurance is the only guaranteed way to protect both the care provider and patient.

What type of insurance does a Domiciliary Care Business Need?

Your domiciliary care providers may be required to administer treatment and assistance to patients with a range of impairments and disabilities in their own homes. For that reason, your organisation should secure a comprehensive, bespoke policy to address any potential risks.

Public & Employers’ liability: This covers your organisation’s legal liability for claims made by third parties or employees as a result of bodily injuries and illnesses, and loss or damage to their material property as a result of your organisation’s operations. Some domiciliary care policies would extend legal liability to include claims of abuse or mistreatment made against a care provider.

Property Insurance: Protect your organisation’s premises from common hazards such as fire and equipment breakdown as well the content within the premises such as a stock a variety of medications and medical devices.

Business Interruption: Protects your business during periods of inoperativeness, which may cause issues such as loss of revenue, income and additional staff costs due to an interruption to your regular operations.

Professional Indemnity: If your organisation is accused of malpractice or any type of wrongdoing associated with its work, this would provide you with compensation for legal costs and expenses that are incurred in your defence

Goods in Transit: Your employees may be on the go, visiting patients in different locations, goods in transit help ensure that any damage sustained to pricey medical supplies in transit is covered.

Start a Domiciliary Care Insurance quote today

As a domiciliary care provider, a comprehensive insurance policy to safeguards claims your business may have from staff and patients against the risks that a normal commercial insurance policy often will not cover.

Get in touch with our team of specialists today to discuss your insurance requirements and find out how we can help your business today, call us on 01527 3061041