Domiciliary Care Insurance
Domiciliary Carers provide a wide variety of care and support for their clients, and our Domiciliary Care Insurance product is specifically tailored to suit self-employed care workers providing domiciliary services. These personal services can include anything from home help and cleaning tasks to providing companionship and welfare checks when necessary.
For any self-employed professional providing these services to clients in their own home, there comes 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 fees cover.
What Is Domiciliary Care Insurance?
Domiciliary Care Insurance is a product tailored to keep you covered while you provide care typically associated with personal service care. It’s sometimes called ‘Dom Care Insurance’. The domiciliary care sector is focused on people who need day-to-day assistance but do not require healthcare-related care from their care workers.
Domiciliary carers and personal assistants play a vital role in helping people live independently in their own homes beyond medical assistance, filling a number of vital and crucial roles within your day-to-day duties.
However, as you may know, you can also be exposed to a number of risks in this role. Insurance is vital to cover you against such risks, such as claims of negligence, theft, or damage to your client, a third party, or their property. We 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?
Our Domiciliary Insurance policies cover a range of care services, including assistance with companionship, help around the home and welfare checks. In addition, our Domiciliary Care insurance covers other services such as shopping, transportation, and admin support.
Domiciliary tasks can include:
- Shopping and errands
- Transportation
- Light housekeeping and laundry
- Companionship
- Administrative tasks
- Dog walking
- General home help
Our Policy Covers Three Key Areas
Surewise domiciliary care insurance covers three key areas
● Public Liability Insurance: If a member of the public or any third party is injured due to negligence or service, our public liability insurance will cover you.
● Accidental Injury: This will cover you for financial protection in the event of accidental injuries that may occur whilst carrying out the domiciliary care duties.
●Legal Expenses: This covers care workers by covering the costs associated with legal proceedings or disputes arising from the duties carried out. This coverage provides peace of mind to domiciliary care workers, ensuring they have support in navigating legal challenges that may arise during their work.
Our policies change lives.
All our Carers policies are underwritten by The Salvation Army General Insurance Corporation Ltd (sagic). Sagic are owned by The Salvation Army and support the diverse work of the renowned global charity. This means when you buy a policy, you will help fund vital community projects across the UK.
Please ensure that you read the policy wording;
We aim to be as clear and transparent as possible; please ensure that you read the policy wording and have a good understanding of what is and what is not covered.
A few examples of events that are not covered under your domiciliary care insurance policy are;
- Personal accidents not involving bodily injury
- Liability for any physical, verbal or written action that constitutes sexual abuse, molestation, bullying or harassment or results in mental anguish
- Liability arising from or caused by a deliberate or intentional act by, or omission
For any questions that you might have about this topic, please feel free to contact our customer services department by telephone on 01268 200 020.
In addition, you may want to consider home carers insurance or self-employed carers insurance if your role takes you outside the scope of domiciliary care. There are a number of different care insurance policies available, so make sure you have the right one.
Frequently Asked Questions
Do I need Insurance to employ a Domiciliary Care Worker?
If you are an agency that employs domiciliary care workers, this policy is not for you as by law you need employer liability cover. Take a look at our Carer Employer Insurance.
If you are an agency taking out Domiciliary Insurance on behalf of your self-employed carer, this must be done on an individual basis.
Does this Domiciliary Care Insurance policy cover healthcare tasks?
No, this policy is designed specifically for domiciliary care providers, providing services for individuals that need extra support in their own home, whilst not needing any medical assistance or healthcare tasks carried out. If you are looking to be covered for healthcare tasks you may want to look at one of our other carer policies which cover a wider number of tasks within the care sector.
How do I qualify for Domiciliary Care Insurance?
We will ask for you to provide us with proof of your employment or employment contract in the event of a claim. You do not need to supply proof of employment when taking out your policy.
Is there any excess to pay when making a claim?
No, this policy has no excess.
When am I able to make my first claim?
You are fully covered from the start date of your policy.
Are my personal belongings covered if I lose them at work?
Yes, any accidental loss or damage to your personal effects during the course of employment is covered. However, incidents of theft or malicious damage must be reported to the police as soon as possible.
If I accidentally injure my client, am I covered?
Yes, this policy will cover accidental injuries to clients.
How do I start the claims process for Domiciliary Care Insurance?
In order to start the claims process, contact us a call on 01268 200 020 and one of our advisors will talk you through the process. Please be sure to have your policy number to hand as well as your contract of employment to assist the claims process.
How can I cancel my policy?
If you no longer need cover with us, you can contact us via [email protected] or give us a call on 01268 200 020. You have a 14 days cooling off period once you have taken out the policy, once this is over you are asked to provide 30 days’ notice to cancel your policy. There are no fees for this process.