CQC-Approved Insurance Requirements for Domiciliary Care Providers

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Essential CQC-compliant insurance to meet registration standards, regulatory expectations and commissioning requirements for home care providers.

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INSURANCE REQUIRED BY THE CARE QUALITY COMMISSION (CQC)

  • LIABILITY COVER

  • SERVICE USER PROTECTION

  • REGULATORY COMPLIANCE

  • RISK MANAGEMENT

Why CQC-Approved Insurance Is Essential

To register with the Care Quality Commission (CQC), domiciliary care providers must demonstrate that they have suitable insurance arrangements in place. This includes insurance that protects service users, staff and the organisation itself. Without appropriate cover, providers risk non-compliance, enforcement action, or delays in registration. Insure24 helps ensure your insurance meets CQC expectations, local authority specifications and commissioner requirements.

CQC-Required Insurance Cover

The CQC expects providers to have the following insurance arrangements in place:

  • Public Liability – protects against injury or property damage to service users & third parties.
  • Employers’ Liability – legally required for staff, carers, support workers & office teams.
  • Professional Indemnity – covers errors in care plans, support decisions or professional advice.
  • Treatment & Medical Malpractice – essential for hands-on care and medication support.
  • Abuse / Safeguarding Cover – where required by commissioners or contracts.
  • Vehicle/Business Use Cover – for carers travelling between service users.
  • Legal Expenses – for regulatory investigations, employment disputes & compliance matters.
  • Management Liability (D&O) – recommended for senior staff, trustees & directors.
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Common Compliance Risks for Providers

  • Staff using personal vehicles without business-use insurance.
  • Insufficient limits of indemnity for local authority contracts.
  • Lack of malpractice cover for medication or clinical tasks.
  • No abuse/safeguarding extension where required.
  • Inaccurate schedules leading to regulatory issues.
  • Failure to update insurers after service expansion.
  • No cover for volunteers or sessional workers.
  • Policies not aligned with CQC statements of purpose.
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Why Choose Insure24 for CQC-Approved Insurance?

  • We specialise in community care, home care & supported living providers.
  • Insurance aligned with CQC registration & Key Lines of Enquiry (KLOEs).
  • Support for start-ups preparing for initial CQC inspection.
  • Guidance on policies needed for local authority tenders.
  • Flexible cover for growing providers adding new services.
  • Help resolving compliance issues after CQC feedback.
  • Dedicated account managers familiar with care regulation.
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How to Meet CQC Insurance Requirements

  • 1. Confirm your regulated activities & statement of purpose.
  • 2. Provide details of the services you deliver & staffing structure.
  • 3. Check commissioner insurance limits (if applicable).
  • 4. We identify any gaps and arrange suitable cover.
  • 5. You receive insurance documents suitable for CQC registration.
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CQC-Approved Insurance for All Types of Providers

Whether you're a start-up or an established provider, we ensure regulatory alignment.

Domiciliary Care Agencies

  • Initial CQC registration support.
  • Standard liability & treatment cover.
  • Support for rapid scaling & multi-area operation.

Supported Living Providers

  • Cover for support workers in community settings.
  • Support for complex behavioural or clinical risks.
  • Policies aligned with accommodation-based services.

Charities & Community Organisations

  • Volunteer cover options.
  • Suited to grant-funded and low-margin service models.
  • Support with safeguarding and risk governance.

Specialist Care Providers

  • Enhanced cover limits for higher-risk services.
  • Medical & clinical task cover included where needed.
  • Support for handling commissioner insurance audits.
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Insure24 made our CQC registration smooth. They explained exactly what we needed and provided insurance that matched our regulated activities and commissioner requirements.

James R., Director – Home Care Provider

FREQUENTLY ASKED QUESTIONS

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What insurance does the CQC require?

The CQC requires providers to have suitable insurance arrangements including public liability, employers’ liability and professional indemnity. Treatment/malpractice cover is required where hands-on care is provided.

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Do I need insurance before registering with the CQC?

Yes. You must have insurance in place prior to registration - it is part of the application process and may be reviewed during inspection.

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Do self-employed carers also need CQC-approved cover?

Yes - if they deliver regulated activities. They must hold appropriate liability and treatment cover and may need business-use motor insurance.

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Does the CQC specify how much insurance cover I need?

The CQC does not specify exact limits, but local authority contracts usually require minimum indemnity limits. We ensure your limits meet commissioner expectations.

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Can I pay monthly for CQC-compliant insurance?

Yes - most policies can be paid monthly via premium finance (subject to status).

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