GDPR & Data Protection Cover for Domiciliary Care Providers

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Specialist GDPR and data protection insurance for home care, live-in care and supported living providers handling sensitive health and care information.

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We work with leading insurers for care sector GDPR & cyber risks

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

GDPR & Data Protection Insurance for Domiciliary & Community Care

Domiciliary care and community support providers process large amounts of highly sensitive personal data every day – from care plans and risk assessments to medication records and staff files. A lost paper file, a stolen laptop, an email sent to the wrong family member or a cyber-attack can quickly become a serious data breach involving the ICO, commissioners and the people you support.

Insure24’s GDPR & Data Protection Cover is designed for domiciliary care, live-in care, supported living and other community-based services. It can help with the costs of managing data breaches, defending regulatory investigations and handling privacy claims, alongside wider cyber and media cover where required.

Who is this cover for?

  • Domiciliary care agencies and home care providers
  • Live-in care providers and complex care at home services
  • Supported living and outreach services
  • Learning disability, autism and mental health support providers
  • Micro-providers and small community care organisations

Key benefits

  • Cover designed around UK GDPR and Data Protection Act obligations
  • Support with notifying service users, families, commissioners and the ICO
  • Access to specialist breach response and IT forensics support
  • Protection against privacy claims and certain regulatory costs (where insurable)
  • Aligned with CQC expectations for governance and information security
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GDPR & Data Protection Cover – What’s Included?

Data Breach & Privacy Liability

Provides cover for claims and costs arising from personal data breaches involving service users, families, staff, suppliers or other third parties.

  • Loss of paper records, laptops, phones or USB devices
  • Emails, letters or reports sent to the wrong person
  • Claims from individuals whose privacy has been compromised

Cyber & Systems Cover

Many policies can combine GDPR and cyber protections, helping you respond if your systems are compromised by a cyber-attack.

  • IT forensic investigation and incident response
  • Data recovery and system restoration costs
  • Help with ransomware, phishing and email compromise incidents

Regulatory & Legal Support

Covers certain legal and professional costs involved in responding to investigations and enquiries following a data breach.

  • Legal advice on reporting obligations and correspondence
  • Assistance with ICO investigations and responses
  • Support with defending privacy or data protection claims

Additional Covers

Depending on the insurer, policies can be extended to include further protection relevant to care providers.

  • Business interruption following a cyber event
  • Media liability for online content and communications
  • Public relations and crisis communications support
  • Certain regulatory costs, where insurable by law
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GDPR, ICO & CQC – Managing Information Risk in Care

Domiciliary care providers are expected to keep people’s information safe, accurate and confidential. The ICO regulates how you handle personal data, while the CQC looks at how well-led and safe your information governance arrangements are. GDPR & Data Protection Cover doesn’t replace good practice, but it can support you if something goes wrong despite your controls.

Key information risks we consider

  • Use of electronic care planning, rota and HR systems
  • How paper care plans and visit notes are stored and transported
  • Staff access controls, passwords and remote working
  • Email and messaging practices with families and professionals
  • Incident reporting and data breach response procedures

How insurance supports your governance

  • Demonstrates that you have considered data protection risks
  • Provides access to specialist advisers during a breach
  • Helps with the practical costs of notification and response
  • Can support your evidence for CQC under “well-led” and “safe”
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How to Arrange GDPR & Data Protection Cover

  1. Tell us about your service: The size of your organisation, the systems you use and the types of data you process.
  2. We assess your risk: We look at your information governance arrangements, incident history and existing controls.
  3. We source tailored options: We approach insurers who understand GDPR, cyber and care sector regulation.
  4. Cover goes live: Once you accept a quote, we issue policy documents you can share with commissioners and inspectors.

Information we typically ask for

  • Annual turnover and number of service users
  • Use of electronic records, care planning and rostering systems
  • Estimated volume of personal and special category data processed
  • Details of any previous data breaches or cyber incidents
  • Existing policies on passwords, encryption and staff training
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“A staff laptop was stolen with care records on it. Insure24’s GDPR and cyber cover helped us access legal advice, notify the right people and manage the situation professionally.”

Registered Manager, Domiciliary Care Agency

FREQUENTLY ASKED QUESTIONS

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What is GDPR & Data Protection Cover?

GDPR & Data Protection Cover is insurance that helps domiciliary care providers manage the financial and practical impact of data breaches and privacy incidents. It can include support for breach response, legal advice, regulatory investigations and claims from people whose data has been affected.

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Do domiciliary care providers really need this cover?

Yes. Home care providers hold large amounts of highly sensitive personal and health data. A relatively small mistake – such as a lost file or mis-sent email – can lead to complaints, claims and regulatory scrutiny. GDPR & Data Protection Cover adds an extra layer of protection alongside good information governance.

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Is this the same as cyber insurance?

There is overlap, but they are not identical. Many modern policies combine GDPR, privacy and cyber cover into one package. We will help you understand whether you need a combined cyber & data policy or a more focused GDPR and privacy solution for your service.

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Does the insurance cover ICO fines?

Insurance cannot guarantee payment of every type of fine or penalty, and insurability depends on local law and policy wording. However, policies can usually help with legal advice, investigation costs and other expenses connected with dealing with the ICO and affected individuals.

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Are paper care records covered or only electronic data?

Most policies are designed to respond to breaches involving both electronic and paper records, provided the information is personal data for which you are responsible. We will confirm how each policy treats paper-based records.

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Will this insurance help with notifying service users and families?

Yes, one of the main benefits of GDPR & Data Protection Cover is support with breach response. Policies can help with the practical costs of notification and provide guidance on how and when to communicate with the people affected.

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Does this replace the need for good data protection policies?

No. Insurance is there to support you when things go wrong, but regulators and commissioners will still expect you to have strong policies, training and technical controls in place. Insure24 can signpost you to best-practice resources as part of the process.

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How much does GDPR & Data Protection Cover cost?

Premiums depend on your turnover, number of service users, IT systems, claims history and the limits you choose. We work with multiple insurers to find cost-effective options for small agencies and larger providers alike.

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Is this cover suitable for very small or new providers?

Yes. Even small or newly registered services can face data protection issues. We can help micro-providers and start-ups arrange appropriate cover, although underwriters may ask more questions about your controls and governance.

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How do I get a quote for GDPR & Data Protection Cover?

You can call Insure24 on 0330 127 2333 or start your quote online. We will ask about your service, systems and existing controls, then obtain tailored quotations from insurers who understand GDPR, cyber and the care sector.
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