Elderly Home Care Insurance

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Specialist liability and malpractice insurance for elderly and frail client home care services

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We compare quotes from leading care sector insurers

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

INSURANCE FOR ELDERLY & FRAIL CLIENT HOME CARE SERVICES

Protecting Providers Delivering Care to Older People at Home

Supporting older people to live independently at home involves personal care, medication prompts, moving & handling and complex care plans. The risks are higher: falls, skin integrity issues, cognitive impairment, dementia and multiple long-term conditions.

Insure24’s Elderly Home Care Insurance is designed for domiciliary care agencies, live-in care providers and community carers working primarily with older and frail adults. We help you protect your staff, your clients and your business with sector-specific cover that aligns with CQC expectations and commissioner requirements.

What’s Included in Elderly Home Care Insurance?

Core covers for agencies supporting older adults, including higher-dependency and dementia clients.

  • Public Liability Insurance – injury or property damage to clients and visitors
  • Professional Indemnity – allegations of negligent care planning or poor advice
  • Medical Malpractice – hands-on personal care, clinical tasks and medication support
  • Employers’ Liability – compulsory if you employ carers, coordinators or office staff
  • Abuse / Malpractice extensions (where available) – protection against serious allegations
  • Legal Expenses – HR disputes, contract issues and regulatory investigations
  • Office & Business Contents – computers, care records and essential equipment
  • Optional Cyber Insurance – data breaches involving care plans and medical information
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Common Risks When Caring for Elderly Clients at Home

Key exposures when supporting older adults, often with multiple health and mobility issues.

  • Falls during transfers, mobility support or unsupervised movement
  • Pressure sores and skin integrity issues linked to reduced mobility
  • Medication errors or omitted doses, particularly with complex regimes
  • Dementia-related risks – wandering, confusion and changes in behaviour
  • Manual handling injuries affecting both clients and staff
  • Allegations of neglect, lack of monitoring or inadequate record-keeping
  • Family disputes and complaints around perceived quality of care
  • Data breaches involving sensitive medical and personal information
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Why Elderly Home Care Providers Choose Insure24

  • Specialist focus on domiciliary care, live-in care and community support
  • Experience with CQC-regulated services and commissioner expectations
  • Cover options for higher-dependency and complex elderly care packages
  • Access to care sector insurers that understand clinical and non-clinical risks
  • Support with proposal forms, risk presentations and renewal reviews
  • Practical, plain-English explanations for managers and care coordinators
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How to Arrange Elderly Home Care Insurance

  • 1. Tell us about your service – elderly client profile, packages and visit types
  • 2. Share details of your staffing mix, training, supervision and policies
  • 3. Confirm your turnover, hours of care delivered and growth plans
  • 4. We approach specialist care insurers on your behalf
  • 5. You choose cover limits, extensions and options to match your risk
  • 6. We provide documentation suitable for CQC, commissioners and introducers
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ELDERLY HOME CARE INSURANCE
TAILORED FOR YOUR SERVICE

PROTECT YOUR CLIENTS, STAFF & REPUTATION

  • Cover structured around elderly and frail client needs
  • Options for live-in care and 24-hour packages
  • Programmes that can scale with your caseload and team size
  • Support with risk assessments, incident reporting and claims handling
  • Designed for agencies focused on older adults, dementia and complex care
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FREQUENTLY ASKED QUESTIONS

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What is Elderly Home Care Insurance?

Elderly Home Care Insurance is a tailored package of covers for agencies and providers caring for older people in their own homes. It typically includes Public Liability, Professional Indemnity, Medical Malpractice and Employers’ Liability, plus optional extensions depending on your service model.

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Who is this cover suitable for?

It is designed for domiciliary care agencies, live-in care providers, community care teams and specialist elderly or dementia care services that support older adults at home, whether privately funded or commissioned by local authorities or the NHS.

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Does the policy cover dementia care and higher-dependency clients?

Policies can be arranged to cover dementia and higher-dependency elderly care, provided the activity is disclosed and appropriately risk-managed. We’ll ask about client needs, staff training and supervision to ensure cover is correctly set up.

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Is abuse cover included?

Some specialist care policies can include abuse or malpractice extensions, subject to strict underwriting criteria around recruitment, DBS checks, supervision and reporting. We will explain what is available and what insurers require from you.

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Do we need separate cover for live-in carers?

Live-in care can often be included within the same policy, but insurers will want to know what proportion of your work is live-in versus visiting care, and what duties carers undertake. We’ll make sure your policy accurately reflects this.

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Can you help with CQC and commissioner insurance requirements?

Yes. We can provide evidence of insurance, confirmation of limits and wording that supports CQC expectations and local authority or NHS framework requirements.

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What information do you need to provide a quote?

Typically we’ll ask about your annual or projected turnover, number of carers and office staff, client types and needs, services you provide, any previous claims and your policies on training, record-keeping and safeguarding.

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How quickly can Elderly Home Care Insurance be arranged?

Once we have the key details of your service, we can usually obtain terms promptly from care sector insurers. If you have urgent CQC, commissioner or contract deadlines, let us know and we will prioritise your quotation and documentation.

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