Cyber Insurance for
Domiciliary & Home Care Providers

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Protect sensitive care records, rostering systems and payroll data against cyber-attacks, data breaches and ransomware.

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

We work with cyber insurers who understand health & care data

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

CYBER & DATA PROTECTION FOR DOMICILIARY & COMMUNITY CARE

What Happens if Your Care Systems Go Down Tomorrow?

Domiciliary care providers rely on electronic rostering, care planning, payroll and communication systems. At the same time, you hold highly sensitive personal data about the people you support, their families and your staff.

A cyber-attack or data breach can stop visits, disrupt medication routines, compromise confidential records and trigger serious regulatory and reputational consequences. Cyber Insurance for Domiciliary Care helps you respond quickly, limit the damage and recover financially.

What Does Cyber Insurance Cover for Domiciliary Care?

Support for both the technical incident and the fallout with regulators, staff and families.

First-Party (Your Own Losses)

  • Incident response team to contain and investigate cyber-attacks.
  • Forensic IT investigation to identify what happened and what data was affected.
  • Ransomware response and negotiation support (where legal and appropriate).
  • Data restoration costs – restoring care records, rostering data and files.
  • Business interruption – loss of income while systems are down or impaired.
  • Additional costs to maintain service (manual rostering, overtime, temporary systems).
  • PR and crisis communication support to manage media and stakeholder messaging.

Third-Party (Liability to Others)

  • Liability for personal data breaches affecting service users, families or staff.
  • Regulatory investigation costs – including ICO investigations relating to GDPR.
  • Legal defence costs arising from privacy or data protection claims.
  • Compensation to third parties where you are legally liable.
  • Cover for claims linked to email compromise and fraudulent instructions (where included).
  • Media and privacy liability for accidental disclosure or publication of sensitive information.
  • Network security liability – where a breach at your organisation impacts others.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Key Cyber Risks for Domiciliary & Home Care Providers

Care providers are targeted because you hold valuable data and cannot afford prolonged downtime.

Data & System Risks

  • Ransomware attacks encrypting care records, rotas and HR files.
  • Phishing emails leading to compromised email accounts and fraud.
  • Lost or stolen laptops, tablets and phones containing care information.
  • Misaddressed emails or letters leaking sensitive client data.
  • Security weaknesses in care-planning or rostering software.
  • Third-party system failures affecting your ability to operate.
  • Malicious insiders or ex-employees misusing access to records.

Regulatory, Contract & Reputational Risks

  • GDPR / UK data protection breaches and ICO investigations.
  • Contractual duties to local authorities, ICBs and NHS partners around data security.
  • Notification obligations to service users and families after a breach.
  • Reputational damage if incidents become public or reported locally.
  • Service disruption impacting visits, medication timings and continuity of care.
  • Increased scrutiny from CQC around digital records and data security.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Who Is Cyber Insurance for Domiciliary Care For?

Any organisation that holds sensitive care data or relies on digital systems to deliver care.

Domiciliary & Community Care Providers

  • Homecare agencies using electronic rostering and care planning tools.
  • Live-in care providers using shared digital records with families and clinicians.
  • Supported living and outreach services recording daily notes and risk assessments.
  • Palliative and complex care services using digital medication and symptom records.
  • Care providers working with local authorities and NHS on shared digital pathways.

Related Care & Staffing Organisations

  • Care staffing and agency providers holding staff and client databases.
  • Micro-providers and personal budget providers storing client information.
  • Multi-branch group providers with centralised IT and shared systems.
  • Charities and CICs delivering community-based support.
  • Any care organisation subject to GDPR and data protection expectations.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

How Cyber Insurance Supports You During an Incident

Rapid access to experts when your team is busy trying to keep care visits running.

1. Immediate Response & Containment

  • 24/7 incident helpline to trigger support as soon as you spot a problem.
  • IT forensics to identify the source and scale of the attack or breach.
  • Guidance on taking systems offline and restoring critical services safely.
  • Support with dealing with ransomware demands and criminal extortion.
  • Early advice on legal and regulatory implications of the incident.

2. Notification, Recovery & Learning Lessons

  • Help drafting notifications to the ICO, commissioners and affected individuals.
  • Funding for credit monitoring or identity protection services (where included).
  • IT and data restoration to bring systems back online as quickly as possible.
  • Legal defence and settlement of covered claims and regulatory penalties (where insurable).
  • Support learning from the incident and improving your cyber resilience.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

A phishing email led to our rostering system being encrypted. Cyber insurance meant we had IT forensics, legal advice and communication support within hours, so we could focus on keeping visits going safely.

Managing Director, Domiciliary Care Agency

CYBER INSURANCE BUILT AROUND
CARE RECORDS, ROSTERS & REAL PEOPLE

WHY DOMICILIARY PROVIDERS USE INSURE24 FOR CYBER COVER

  • Understanding of how digital systems underpin safe homecare delivery.
  • Experience placing cyber cover for care and health organisations.
  • Ability to integrate cyber with your existing care insurance programme.
  • Support explaining requirements to boards, trustees and commissioners.
  • Plain-English summaries for managers, seniors and admin teams.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Cyber Security, Governance & CQC Expectations

Insurance works best alongside good cyber hygiene and clear governance.

Practical Steps for Care Providers

  • Regular staff training on phishing emails and data protection.
  • Strong passwords, multi-factor authentication and access controls.
  • Up-to-date antivirus, firewalls and system patches.
  • Secure handling of laptops, tablets and paper records.
  • Clear policies for remote working and use of personal devices.
  • Backups tested regularly so systems can be restored quickly.

How This Links to CQC & Commissioners

  • Demonstrates you are protecting confidential information under “Safe” and “Well-led”.
  • Supports digital transformation and electronic care planning projects.
  • Gives assurance to commissioners about resilience if systems are attacked.
  • Provides another layer of protection alongside your data protection policies.
  • Shows you have thought about both prevention and response to cyber incidents.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

FREQUENTLY ASKED QUESTIONS

+-

What is Cyber Insurance for Domiciliary Care?

It is a specialist cyber policy designed around homecare and community care providers. It covers the costs of responding to cyber-attacks and data breaches, including IT forensics, legal and PR support, data restoration, business interruption and liability to service users, staff and regulators.

+-

Does our existing liability insurance already cover cyber incidents?

Standard public liability, professional indemnity and malpractice policies often have limited or excluded cover for cyber-related losses. Dedicated cyber insurance is designed to respond specifically to digital incidents, data breaches and system attacks. We can review your current programme and highlight any gaps.

+-

We are a small agency – do we really need cyber insurance?

Even small providers hold highly sensitive data and rely on basic systems to run rotas, care notes and payroll. Cyber criminals often target smaller organisations because they may have weaker defences. A single incident can be very disruptive and costly to resolve, so cyber cover is relevant even for smaller agencies.

+-

Will cyber insurance stop attacks from happening?

No insurance policy can prevent attacks, but many cyber insurers provide risk management support, staff training resources and security guidance to help you reduce the likelihood and impact of incidents. The policy then helps fund and coordinate the response if something still goes wrong.

+-

Does cyber insurance cover fines from the ICO?

The position on regulatory fines is complex and depends on jurisdiction and the specific wording of the policy. Many policies focus on covering legal defence costs and certain regulatory expenses rather than fines themselves. We will explain clearly what is and isn’t covered by any quotation we provide.

+-

What information do you need to quote for cyber insurance?

Typically: your turnover, number of service users and staff, types of systems used, data stored, how you back up, your IT security arrangements and any previous cyber or data incidents. For many smaller providers, this can be captured in a straightforward proposal form.

+-

Will a cyber claim affect our other insurance policies?

Major incidents can influence underwriters’ view of your overall risk profile, but cyber insurance is normally placed as a separate policy. We will help you manage disclosure and renewal discussions across all your covers if you experience a significant cyber incident.

+-

Does cyber insurance cover staff using their own devices?

Many policies will respond to incidents involving personal devices where they are part of your IT environment, but insurers expect you to have clear Bring Your Own Device (BYOD) policies and security controls. We will discuss how your staff currently access systems and reflect this in the placement.

+-

How much does cyber insurance for domiciliary care cost?

Costs vary depending on your size, systems, data profile, security measures and claims history. For many small and medium-sized providers, premiums are often modest compared to the potential cost of dealing with a serious cyber incident without support.

+-

How do we get started with a cyber insurance review?

Contact Insure24 with a brief overview of your domiciliary care service and the systems you use. We’ll explain what information is needed, review any existing policies and then obtain tailored cyber insurance quotations from insurers experienced in the care sector.

Related Blogs