Domiciliary Care
Operating a business in the UK care sector can be very rewarding, but it is not without its challenges, particularly with respect to risk protection. Our insurance schemes for domiciliary care agencies, businesses and professionals will provide you with a flexible and competitive solution.
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Insurance For Domiciliary Care Agencies
Understanding risk and ensuring you have the right insurance protection for your home care agency is critical in protecting your clients, patients, and your employees. Our dedicated team of care insurance advisors will help to build your cover around your risk profile. Cover is available for all types of domiciliary care, including:
- Shared Lives Care
- Nursing Care (including drug administration or prescription)
- Personal Care
- Dementia Care
- Respite Home Care
- Companionship Care
- Live-in Care
What Does Domiciliary Care Insurance Cover?
Care insurance policies can be tailored to your specific needs; our bespoke domiciliary care product can include all your key business exposures, including:
Medical Indemnity Insurance
Covering claims arising from medical negligence, errors or omissions. For example, one of your carers gives a patient the incorrect medication or dosage.
Public Liability Insurance – Covering claims for injury or damage to property resulting from the actions of you or your employees. For example, a carer breaks an expensive vase by knocking it off a shelf.
Abuse
Claims in relation to allegations of abuse is one of the key risks for any care-based business. This is a vital component of your domiciliary care insurance which can often be excluded under cover provided from non-specialist providers.
Management Liability (Directors & Officers)
Cover for the directors and officers of the company for claims made against them following actions or decisions taken as part of their duties.
Employers Liability Insurance
Employers liability is a legal requirement for any business employing staff in the UK covering your legal liability owed to any of your employees should they become injured or ill as a result of work undertaken in your business. For example, a carer suffers a serious back injury lifting a patient and claims they were not provided with adequate training and that you are liable for compensation.
Business Equipment & Office Contents
Cover for any business and/or medical equipment either at your premises or used by employees.
Cyber Insurance
Cover cyber incidents, including loss of personal data.
Professional Indemnity Insurance
Covering claims arising from acts, errors, omissions or misconduct. For example, a carer loses the keys to a patient’s property, requiring all the locks to be replaced.
Legal Expenses & Employment Practices Liability
Covering for legal expenses incurred from legal and employment disputes. For example, a carer makes a claim against you for discrimination.
Risk Management Support & 24/7 Medico-Legal Advice
All Insync Care clients have access to a 24/7 Medico Legal helpline and complaint response service, which is on hand should you receive any allegations against you.
In addition, clients are provided with a suite of risk management support guides specifically designed for the care industry. In addition to written documents, you will have access to podcasts, webinars, and seminars led by a panel of clinical experts with years of experience in your sector. We believe risk prevention is far better than cure, and by helping our clients reduce exposure to key risks, they will improve their CQC inspection ratings as well as reduce insurance liabilities, allowing long-term premium stability.
Individual premium paid-for risk management packages are also available where a 1:1 review is undertaken within 6 weeks of your policy start date. This is truly bespoke and is followed by delivery of a tailored programme of risk management services. This could include items such as:
- CQC Sage and Well-led service, including governance and risk management training.
- Review of all business policies.
- Helping to implement a gold standard incident investigation process.
- Legal support programme covering key legal risks such as record keeping.
Speak to one of our Care Insurance Advisors today to understand how our care insurance and risk management package could help your business.
Insurance Cover For Domiciliary Care Businesses With Inadequate CQC Inspection
Receiving an “inadequate” or “Requires Improvement” rating as part of a Quality Care Commission (CQC) inspection can be distressing, not to mention some insurance providers refusing cover. At Insync, we offer much more than just insurance, and we specialise in working hand-in-hand with our insurer partners to provide our clients with risk management support programmes that will address CQC concerns and help you plug any gaps in your business processes.
Where clients work with our insurer’s tailored risk management programmes, we can often agree to reduced premiums on the basis that key risks in the business are being addressed and insurance exposure is reduced.
Why Choose Insync For Domiciliary Care Insurance?
In today’s digital world, business has evolved, so why hasn’t your insurance broker?
We’re one of the UK’s fastest-growing insurance providers, offering exclusive schemes and facilities for Beauty Professionals throughout the UK.
Say goodbye to one-size-fits-all business policies that have you paying for extras you don’t need and the slow, outdated and inefficient way business insurance is traditionally arranged!
Domiciliary Care Insurance
Domiciliary Care Insurance
Frequently
Asked Domiciliary Care Insurance
Questions
We have prepared a list of the questions we are regularly asked by customers before and after buying a policy.
If you need further help, we are always happy to offer advice.