Domiciliary carers provide a wide variety of care and support for their clients, and our Domiciliary Care Insurance is specifically tailored to suit self-employed care workers or larger agencies providing domiciliary services.
These personal services can include anything from home help and cleaning tasks to providing companionship and welfare checks when necessary. From carer respite services to personal care, this tailored insurance solution is design to cover the risks and challenges you may face at work.
What Does Domiciliary Care Insurance Cover?
Domiciliary Care Insurance (sometimes called ‘Home Care Insurance’) is a product tailored to keep you covered while you provide care typically associated with personal service care.
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. This cover applies to care workers whose main responsibilities centre around:
- Personal care including; preparing, serving food or drink and companionship
- General domestic duties including; shopping and basic maintenance and gardening tasks
- Looking after the client’s domestic pets or children, (or other children for whom the client is responsible) provided that these tasks form only a minor part of the overall work carried out for that client
- Accompanying any client on social, domestic or pleasure trips
What’s Included In My Policy?
- Public Liability Cover: If a member of the public or any third party is injured due to negligence or service, our public liability insurance will cover you (up to £5 million).
- Employers Liability for any physical, verbal or written action that constitutes sexual abuse, molestation, bullying or harassment or results in mental anguish.
- Accidental Loss or Damage to your property and the property of clients whilst in your custody.
- Personal Accident cover
T&C’s apply – always read your policy wording for full details.
Self-Employed Domiciliary VS Employed Domiciliary
We offer both Self Employed Domiciliary Insurance policies and Employed Domiciliary policies. Not sure which one fits your situation?
Self Employed Domiciliary– Designed for carers who work independently. As a self-employed carer, you typically have more control over your work hours and client selection.
Employed Domiciliary Carer Insurance– Suitable for either, individual carers employed by an agency or a small to medium sized businesses that employ carers or personal assistants (PAs).
If you need further clarification before you take out a policy with us, please get in touch. You can select the appropriate policy when you get your quote.
Please ensure you read your policy wording;
For any questions that you might have about your domiciliary carers insurance, please feel free to visit our help centre or contact our customer services department by telephone on 01268 200 020.
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 for you!
Why Choose Surewise?
1
Our Prices
Being able to offer the most comprehensive cover at the lowest price is our top priority.
2
Our Product
Our close relationship with our underwriters, sagic, allows us to create specialist insurance products and provide an ethical claims-handling process.
3
Transparency
We offer pro-rata refunds, so you can cancel your policy within a minimum of 30 days’ notice and receive a refund.
4
Easy Payment Options
Options to pay with credit or debit cards, including AmEx, by Google Pay or Apple Pay, either online or by telephone, paying annually or monthly.
5
At Your Service
Our dedicated team of customer service agents are based in Essex, so you can always talk to an expert about your policy.
Our Underwriters
Our Carers policies are aunderwritten 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.
