Agency Carer Insurance
(Domiciliary & Community Care Staffing)

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Specialist insurance for agencies supplying carers and support workers into people’s homes and community settings.

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We work with insurers that understand care staffing agencies

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

INSURANCE FOR AGENCY CARERS & DOMICILIARY STAFFING PROVIDERS

Protecting the Agency Behind the Care Workforce

As an agency, you may not deliver hands-on care yourself – but you are responsible for the carers and support workers you place. Commissioners, clients and families expect you to ensure they are competent, vetted and appropriately insured.

Insure24 helps domiciliary staffing agencies arrange insurance that reflects vicarious liability for agency carers, complex contract requirements, safeguarding exposure and the realities of supplying staff into people’s homes and community services.

Core Covers for Agency Carer Insurance

Building a programme around vicarious liability, placement risk and agency responsibilities.

Liability & Professional Covers

  • Public Liability – injury or property damage caused by agency staff in the course of duties.
  • Employers’ Liability – compulsory cover for employees; options for certain temps/zero-hours.
  • Medical Malpractice / Treatment Risk – for clinical and care-related actions of placed staff.
  • Professional Indemnity – negligent advice, documentation or care planning by the agency.
  • Vicarious Liability – responsibility for actions of carers placed with clients and providers.
  • Abuse Cover (where available) – allegations of abuse or neglect, subject to robust vetting.
  • Legal Expenses – defence costs for employment, contract and regulatory disputes.

Business Protection & Support Covers

  • Management Liability / Directors’ & Officers’ – decisions by directors and senior staff.
  • Office / Clinic Insurance – office contents, IT kit and documents.
  • Business Interruption – loss of income after insured damage at your premises.
  • Cyber & Data Liability – personal data, DBS records and sensitive client information.
  • Fidelity / Employee Dishonesty (where available) – theft of client or agency funds.
  • Non-Owned Vehicle Liability – use of carers’ own vehicles on agency business (where applicable).
  • Personal Accident – optional benefits for agency carers injured in accidents at work.
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Who Is Agency Carer Insurance For?

Tailored protection for a wide range of care staffing models.

Domiciliary & Community Care Staffing Agencies

  • Agencies supplying carers and support workers into people’s own homes.
  • Staffing providers supplying carers to domiciliary care companies and local authorities.
  • Agencies providing live-in carers, night sitters and waking-night staff.
  • Banks and pools of carers used across multiple branches or providers.
  • Specialist agencies supporting learning disability, mental health and complex needs.

Broader Health & Social Care Staffing Models

  • Agencies supplying both carers and nurses (community and care home settings).
  • Introductory agencies where carers are engaged directly by the client.
  • Managed service providers and neutral vendors for care staffing contracts.
  • Umbrella companies and payroll providers with agency-style exposure.
  • Small and start-up agencies looking for scalable, compliant cover.
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Contracts, Frameworks & Placement Risk

Your contracts often drive your risk – and what insurers expect to see.

Typical Agency Carer Contract Exposures

  • Indemnity clauses making the agency responsible for carers’ actions.
  • Requirements to hold specific limits of liability and malpractice cover.
  • Penalty clauses, service credits and financial consequences for service failure.
  • Obligations around safeguarding, DBS checks and training.
  • Joint working with local authorities, CCG/ICB commissioners and domiciliary providers.
  • Framework contracts with strict KPIs and compliance reporting.

How Insure24 Supports You with Contracts

  • Reviewing insurance clauses from an insurance perspective (not legal advice).
  • Checking whether your existing cover supports the liabilities you’ve accepted.
  • Highlighting contract terms that may be uninsurable or high-risk.
  • Helping you explain your insurance position to commissioners and partners.
  • Aligning policy limits with framework and tender requirements.
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How Agency Carer Insurance Is Arranged

1. Understand Your Staffing Model & Risk

  • We review the roles you supply – carers, support workers, nurses and others.
  • We look at where they work – people’s homes, supported living, care homes, community.
  • We consider volumes, shift patterns, night work and lone working.
  • We review your vetting, training and supervision arrangements.
  • We discuss incident history, complaints and safeguarding concerns.

2. Build a Joined-Up Insurance Programme

  • Liability, malpractice and professional indemnity aligned to your contracts.
  • Management liability, legal expenses and cyber where appropriate.
  • Options for personal accident or top-up benefits for agency carers.
  • Scalable solutions as you win new contracts and grow headcount.
  • Clear documentation you can share with clients and framework providers.
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Our agency places carers into people’s homes 24/7. Insure24 helped us understand our vicarious liability, tidy up our contracts and put an insurance programme in place that commissioners were comfortable with.

Director, Domiciliary Care Staffing Agency

INSURANCE BUILT AROUND AGENCY CARERS
AND THE CLIENTS YOU SUPPORT

WHY AGENCY CARERS & STAFFING PROVIDERS USE INSURE24

  • Specialist focus on domiciliary and community care risk.
  • Experience with agency, bank and managed staffing models.
  • Understanding of framework, tender and commissioner requirements.
  • Ability to align your insurance with contracts and CQC expectations.
  • Plain-English advice for owners, managers and finance teams.
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Compliance, CQC & Reputation

Insurance is part of how you demonstrate you are a safe, well-led and trustworthy agency.

Governance & Safeguarding Expectations

  • Robust recruitment, DBS checks and reference procedures.
  • Up-to-date training in moving & handling, medication and safeguarding.
  • Clear role descriptions and assignment of responsibilities.
  • Procedures for incidents, complaints and whistleblowing.
  • Documented supervision and performance management for carers.

How Insurance Supports Your Compliance Story

  • Evidence of appropriate limits and covers for the work you undertake.
  • Support with certain investigations and legal costs, depending on wording.
  • Confidence for commissioners, care providers and families using your agency.
  • Clear documentation for tenders, framework renewals and audits.
  • A more professional, resilient platform for growth and long-term contracts.
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FREQUENTLY ASKED QUESTIONS

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What is Agency Carer Insurance?

Agency Carer Insurance is a package of covers for staffing agencies supplying carers and support workers. It typically includes public liability, employers’ liability, medical malpractice, professional indemnity and related covers designed to protect the agency against claims arising from the actions of placed staff.

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Are agency carers covered by the agency’s insurance or the care provider’s?

Often both parties have some responsibility. The agency may carry vicarious liability for the workers it supplies, while the receiving provider also has duties towards service users. Insurance programmes should be structured so that responsibilities are clear and major gaps are avoided. We will review your contracts and placements to advise.

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Do we need medical malpractice cover if we only supply carers, not nurses?

Many carers handle medication, moving & handling and other care tasks. Depending on your contracts and the tasks performed, treatment risk or malpractice cover may still be appropriate. We will clarify typical duties and match cover to the real risk.

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Are zero-hours and bank staff included?

Yes, policies can usually be structured to include bank, zero-hours and flexible workers, provided they are declared correctly and their relationship with the agency is understood (employee, worker, self-employed, etc.). We’ll discuss the best way to reflect this on your schedule.

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What information do insurers need from an agency carer business?

Typically: turnover, wage roll, number and type of staff, placements by setting (home care, care homes, hospitals), details of tasks performed, vetting and training procedures, incident history and details of any major contracts or frameworks. We’ll guide you through this step by step.

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Can you help if we also place nurses and other clinical staff?

Yes. We work with agencies that place carers, support workers, nurses and allied health professionals. The programme can be designed to reflect the mix of roles and the additional clinical exposure that nurses bring.

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Does Agency Carer Insurance help with tender and framework applications?

Having appropriate limits and covers in place is often a prerequisite for frameworks and contracts. We can help you put together clear evidence of cover and, where necessary, adjust limits to match specific tender requirements (subject to insurer agreement).

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Do individual agency carers also need their own insurance?

In some models, the agency’s insurance will be the primary route for claims. In others, self-employed carers may be expected to carry their own cover as well. We can advise on both agency programmes and individual carer policies, and how they interact.

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How much does Agency Carer Insurance cost?

Premiums depend on turnover, wage roll, staffing mix, types of placements, claims history and the level of cover required by your contracts. We’ll collect the key details and obtain quotations from insurers with an appetite for health and social care staffing risks.

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How do we get started with a quote or review?

Call Insure24 or complete our enquiry form with a brief overview of your agency. We’ll talk you through the information we need, review any current policies you have, and then build a proposal tailored to your agency carer business.

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