Domiciliary Care Insurance
Cover Includes
- No Excess
- Public Liability up to £5m
- Loss or Damage to Property
- Accidental Injury and Legal Expenses
- No Hidden Fees
Domiciliary Care Insurance
Domiciliary Carers provide a wide variety of care and support for all their clients. This Domiciliary Care Insurance product is specifically tailored for self-employed care workers providing domiciliary services only. The type of personal services may well include anything from home help, cleaning tasks, providing companionship, and checking the welfare of clients when necessary.
Any self-employed professional providing these services for clients in their own home, can come with a degree of risk, much like any other job. Domiciliary care insurance protects against that risk with public liability cover, accidental injury cover, and legal expenses cover, should the need arise.
What Is Domiciliary Care Insurance?
Domiciliary Care Insurance is a product tailored for you and to keep you covered while providing care typically associated with personal service care. This is sometimes called ‘Dom Care Insurance’. The domiciliary care sector is focused solely on people who need day-to-day assistance and do not require healthcare-related care from their care workers.
Domiciliary carers and personal assistants play a vital role helping people living independently in their own homes beyond medical assistance, filling several vital and crucial roles helping with your day-to-day duties.
As there can be risks. It is vital to have insurance to cover you against such risks, such as claims of negligence, theft, or damage to your client, a third party, or their property. Our insurance provider for this policy can help protect you from these risks and ensure that you can continue to provide quality care to your clients.
Why May I Need This Policy?
Domiciliary Insurance policies cover a range of care services, to include assistance with companionship, help do things around the home and welfare checks. In addition, Domiciliary Care insurance covers other services such as shopping, transportation, and admin support.Domiciliary tasks can include:
Domiciliary tasks can include:
- Shopping
- Errands
- Light housekeeping and laundry
- Transportation
- Dog walking
- Companionship
- Administrative tasks
- General home help
The Policy Covers Three Key Areas
- Public Liability Insurance: If the unexpected happened to a member of the public or any third party is injured due to negligence or service, public liability insurance will cover you.
- Accidental Injury: This covers you for financial protection in the event of any accidental injuries that may occur whilst carrying out the domiciliary care duties.
- Legal Expenses: Covers care workers for the costs associated with legal proceedings or disputes arising from the duties carried out. This type of coverage provides peace of mind to domiciliary care workers, ensuring they have support throughout against legal challenges that may arise during their work.
Our Policies Change Lives
SAGIC who are owned by The Salvation Army underwrite all the carers insurance policies and are the only insurer to return 100% of their profit to charity, not to shareholders. When you purchase your insurance policy with us, you’ll not only be protecting yourself with a comprehensive policy for your needs, but you’ll also be helping to raise much-needed funds for The Salvation Army to help people in need and vital community projects across the UK.