Franchise Home Care Business Insurance

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Specialist insurance for franchised domiciliary care businesses operating under national brands

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We compare quotes from leading care sector insurers

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

INSURANCE FOR FRANCHISED DOMICILIARY CARE BUSINESSES

Tailored Protection for Franchise Home Care Operations

Running a franchised home care business means balancing the expectations of your franchise group with the compliance demands of the Care Quality Commission (CQC) and local authorities. You must protect your clients, staff, franchise brand reputation and your local business.

Insure24 specialises in arranging insurance for franchised home care branches - whether you operate under a national brand, a regional group or a growing multi-branch franchise network.

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What Does Franchise Home Care Business Insurance Include?

Comprehensive insurance designed to meet franchise network standards and local regulatory requirements.


  • Public Liability Insurance
  • Professional Indemnity
  • Medical Malpractice – hands-on personal and clinical care
  • Employers’ Liability – compulsory for franchise-employed staff
  • Management Liability / Directors’ & Officers (D&O)
  • Business Contents, Office & Equipment cover
  • Legal Expenses insurance
  • Optional Cyber Insurance for sensitive data handling

Risks Faced by Franchise Home Care Businesses

Understanding your exposures ensures your policy matches your franchise model.


  • Accidental client injury during personal care
  • Medication mistakes or care plan errors
  • Safeguarding allegations and complaints
  • Employment disputes within large care teams
  • Cyber incidents affecting sensitive client data
  • Brand reputation risks linked to franchise standards
  • Manual handling injuries to staff and clients
  • Regulatory investigations by CQC or local authorities

Why Franchise Owners Choose Insure24


  • Experienced with national franchise network requirements
  • Policies tailored to meet brand compliance standards
  • Fast documentation for new franchise launches
  • Dedicated support for multi-branch operators
  • Clear explanations for owners transitioning into care sector
  • Direct access to care-specialist insurers

How to Arrange Franchise Home Care Business Insurance


  • 1. Tell us your franchise group and local area
  • 2. Confirm your turnover, staffing and services
  • 3. Provide any franchise compliance documentation
  • 4. We approach leading care insurers on your behalf
  • 5. You choose your preferred cover options and limits
  • 6. Documents issued immediately for CQC and franchise approval

SUITABLE FOR ALL FRANCHISE MODELS


  • Single-branch franchise owners
  • Multi-branch franchise groups
  • Start-up franchisees & new operators
  • Regional franchise networks

FREQUENTLY ASKED QUESTIONS

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Do all franchise home care businesses need insurance?

Yes. To operate, franchise branches must meet both CQC requirements and the insurance standards set by their franchise group.

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Can you meet my franchise group’s insurance requirements?

Yes. We work with many national networks and can align cover with your franchise compliance handbook or onboarding requirements.

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Does the policy cover my carers and office staff?

Yes. Employers’ Liability covers employees, and additional cover can extend to volunteers, self-employed carers, and live-in workers depending on your business model.

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Can you help new franchisees starting from scratch?

Yes. We regularly support new franchise branches with setup, onboarding and documentation for early-stage compliance and recruitment.

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How quickly can insurance be arranged?

Cover can normally be arranged the same day, depending on the size of your business and franchise requirements.

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