Dementia Home Care Insurance

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Specialist insurance for dementia home care providers, live-in carers and domiciliary care agencies delivering support in the home.

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We compare quotes from leading care sector insurers

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

Insurance for Dementia Home Care & Domiciliary Care Providers

Caring for people living with dementia in their own homes involves complex risks – from medication support and personal care to safeguarding, moving & handling and family expectations. Insure24’s Dementia Home Care Insurance is designed for domiciliary care agencies and individual carers who provide specialist dementia support, with cover that can include professional indemnity, public liability, treatment risk and employer’s liability.

Who is this cover for?

  • Domiciliary care agencies specialising in dementia care
  • Home care providers supporting people with Alzheimer’s and related conditions
  • Live-in carers and 24-hour dementia support workers
  • Micro-providers and small home care businesses
  • Hybrid providers offering both dementia and general home care services

Key benefits

  • Policies tailored to dementia-specific risks and activities
  • Support with CQC insurance requirements for domiciliary care
  • Cover available for medication support and treatment-type duties
  • Protection against claims from clients, families or third parties
  • Dedicated advice from specialist care sector brokers
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Dementia Home Care Insurance – What’s Covered?

Public Liability

Protects your business if a client, visitor or member of the public alleges injury or property damage as a result of your care activities.

  • Trips, slips and falls in the client’s home
  • Accidental damage to clients’ belongings
  • Cover for carers working in multiple homes each day

Professional Indemnity & Treatment Liability

Covers allegations that the professional advice or care you provided was negligent and caused harm – essential for dementia-focused care.

  • Advice on routines, nutrition, safety and behaviour management
  • Errors in care plans or record keeping
  • Optional treatment risk for certain clinical tasks (subject to underwriter acceptance)

Employer’s Liability

A legal requirement if you employ staff. Covers claims from employees who suffer illness or injury in the course of their work.

  • Care workers injured while moving or handling clients
  • Support for stress or mental health-related claims
  • Cover for permanent, part-time and temporary staff

Additional Covers

Policies can be extended to include:

  • Medical malpractice extensions (where appropriate)
  • Legal expenses and HR support
  • Office and business contents cover
  • Business interruption following an insured event
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Supporting CQC & Dementia Care Best Practice

Dementia care at home is heavily regulated and closely inspected. The right insurance helps demonstrate that you are managing risk responsibly and protecting the people you support.

Key risk areas we consider

  • Medication administration and prompting procedures
  • Safeguarding of vulnerable adults and lone working
  • Moving & handling training and equipment use
  • Behaviour that challenges and de-escalation methods
  • Documentation, care plans and incident recording

Insurance aligned to regulators

  • Supports CQC expectations for suitable indemnity arrangements
  • Helps provide evidence for inspections and tenders
  • Policies tailored to home care rather than generic business cover
  • Guidance available on limits, wording and documentation
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How to Arrange Dementia Home Care Insurance

  1. Tell us about your service: Number of clients, type of dementia care provided, staff mix and locations.
  2. We assess your risk: We consider your activities, policies and claims history to shape your cover.
  3. We present options: You receive tailored quotes from insurers who understand the care sector.
  4. Cover goes live: Once accepted, your policy documents are issued and you’re ready for inspections and new referrals.

Typical information we’ll ask for

  • Annual turnover and number of service users
  • Breakdown of dementia-related care vs general care
  • Number of carers and employment status (PAYE, agency, self-employed)
  • Details of any medication administration or clinical tasks
  • Previous claims or incidents over the last 3–5 years
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“Insure24 helped us restructure our cover as we grew our dementia home care service. They understood CQC requirements and made the process straightforward.”

Registered Manager, Dementia Home Care Provider

FREQUENTLY ASKED QUESTIONS

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What is Dementia Home Care Insurance?

Dementia Home Care Insurance is a specialist form of domiciliary care insurance designed for providers supporting people living with dementia in their own homes. It combines public liability, professional indemnity, employer’s liability and other covers tailored to dementia care activities.

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Who needs this type of insurance?

Any organisation or individual providing dementia-focused care in people’s homes should consider this cover – including registered domiciliary care agencies, live-in care providers, micro-providers and self-employed dementia carers.

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How is this different from standard domiciliary care insurance?

Dementia care often involves additional risks such as behavioural changes, wandering, complex medication regimes and higher levels of supervision. Specialist dementia home care insurance is designed with these risks in mind and can include broader cover and higher limits where needed.

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Does it cover medication administration errors?

Many policies can include cover for certain medication-related activities, but the exact scope varies between insurers. It is important to declare whether your carers administer, prompt or simply assist with medication, so we can place you with an insurer whose wording reflects your practice.

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Will this insurance meet CQC requirements?

CQC expects providers to have appropriate indemnity arrangements in place. We work with insurers experienced in the care sector so that your policy is suitable for domiciliary care activities and can form part of your evidence at inspection, but the regulator will always look at your insurance alongside your wider governance and risk management.

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Can small or new dementia care providers get cover?

Yes. We can help new start-ups, micro-providers and growing agencies arrange insurance, although underwriters may ask more questions about experience, qualifications and policies when you are newly registered or expanding quickly.

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Does the policy cover allegations of abuse or neglect?

Some policies can include cover for defence costs and certain liabilities arising from allegations of abuse or neglect, subject to strict conditions and vetting procedures. We will highlight how each insurer approaches this sensitive area so you understand what is and is not covered.

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What limits of indemnity do dementia care providers usually choose?

Limits vary depending on contract requirements, local authority frameworks and the profile of the people you support. We can help you select appropriate limits for public liability, professional indemnity and employer’s liability based on your contracts and risk appetite.

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How quickly can cover be arranged?

For straightforward risks, we can often obtain terms and put cover in place very quickly once we have the necessary information. More complex services – for example, high levels of clinical intervention – may require additional underwriting time.

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How do I get a quote for Dementia Home Care Insurance?

You can call Insure24 on 0330 127 2333 or start your quote online. We will ask about your services, the people you support and your existing risk controls, then obtain tailored terms from insurers who understand the dementia care sector.
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