Introductory Home Care Agency Insurance

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Specialist insurance for introductory-only home care agencies that match self-employed carers, PAs and companions with clients.

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We work with leading UK insurers for care & introduction agencies

INSURANCE DESIGNED FOR INTRODUCTORY HOME CARE & PA AGENCIES

  • INTRODUCTION RISK

  • CLIENT & CARER RELATIONSHIP

  • PROFESSIONAL LIABILITY

  • SCREENING & MATCHING

Why Introductory Home Care Agency Insurance Matters

Introductory agencies do not usually employ carers directly – they introduce self-employed carers, PAs and companions to clients, who then engage them directly. That creates a different risk profile compared to a traditional domiciliary care agency. You still carry responsibility for marketing, vetting, matching, taking fees and handling complaints. Our introductory agency insurance is designed around that model – protecting your business, your brand and your processes, while recognising that carers are self-employed.

Key Introductory Home Care Agency Insurance Cover

Core protections for agencies that introduce carers, PAs and companions but do not employ them.

  • Public Liability – for office premises, events and occasional direct interactions.
  • Professional Indemnity – for your matching, vetting and introduction services.
  • Errors & Omissions – if a client alleges you failed to check or disclose key information.
  • Breach of Professional Duty – linked to advice, signposting and care coordinator roles.
  • Management Liability / Directors’ & Officers’ – protection for owners and senior managers.
  • Cyber & Data Liability (optional) – for holding sensitive client and carer information.
  • Office & Business Contents – cover for computers, files and equipment.
  • Legal Expenses – support for contract disputes, employment issues and regulatory enquiries.
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Common Risks for Introductory Home Care Agencies

  • Allegations that a carer or PA was not properly vetted or referenced.
  • Disputes over fees, contracts or terms between clients and self-employed carers.
  • Complaints about the quality or suitability of introduced carers.
  • Claims that risk information or needs were not passed on clearly.
  • Breach of data protection due to sensitive client & carer information.
  • Reputational damage following a serious safeguarding concern.
  • Regulatory or local authority scrutiny of your business model.
  • Contractual disputes with technology partners or marketing platforms.
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Why Choose Insure24 for Introductory Home Care Agency Insurance?

  • We understand the difference between regulated domiciliary care and introductory-only models.
  • Policies structured around self-employed carers, PAs and client-held responsibilities.
  • Cover that reflects online platforms, apps and remote introduction processes.
  • Support where commissioners or regulators request proof of insurance.
  • Options to add cyber, management liability and legal expenses in one package.
  • Experience working with start-ups, scale-ups and established introductory agencies.
  • Help clarifying “who is responsible for what” in your contracts and schedules.
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How to Arrange Introductory Home Care Agency Insurance

  • 1. Tell us about your model – purely introductory, hybrid or mixed services.
  • 2. Explain how you vet carers, PAs and companions (DBS, references, interviews).
  • 3. Share your contracts – client terms, carer agreements and platform T&Cs.
  • 4. We identify where liability sits and what needs to be insured.
  • 5. We obtain tailored quotes and help you choose the right level of cover.
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Introductory Agency Insurance for Different Business Models

Flexible cover whether you operate locally, regionally or as a national online platform.

Traditional Introductory Agencies

  • Local offices matching self-employed carers with clients.
  • Ongoing support, coordination and check-in services.
  • Cover for professional advice and matching activities.

Online Platforms & Apps

  • Digital marketplaces connecting clients and self-employed carers.
  • High volumes of introductions and online payments.
  • Cyber, data and professional liability combined solutions.

Hybrid Introductory & Managed Services

  • Agencies that both introduce and directly manage some care packages.
  • Need to separate self-employed and employed care risks correctly.
  • Combined structures for PI, malpractice and management liability.

Charities & Not-for-Profit Introduction Schemes

  • Projects helping people find PAs or micro-providers.
  • Volunteer involvement and grant-funded models.
  • Policies tailored for trustees, committees and community groups.
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As an introductory agency we don’t employ carers, so we needed cover that matched our model. Insure24 understood the difference immediately and built a policy around our responsibilities.

Hannah M., Founder – Introductory Home Care Agency

FREQUENTLY ASKED QUESTIONS

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What is an introductory home care agency?

An introductory agency matches self-employed carers, PAs or companions with clients, who then contract with the carer directly. The agency does not usually employ the carers or manage day-to-day care delivery.

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Is this different from domiciliary care agency insurance?

Yes. A domiciliary care agency normally employs carers and is directly responsible for care delivery, while an introductory agency primarily provides matching, vetting and introduction services. The insurance needs and risk profile are different.

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Do we still need professional indemnity insurance?

Yes. Professional indemnity is important to protect your agency against allegations linked to your vetting, suitability checks, introductions, advice and documentation.

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Are self-employed carers covered under our policy?

Usually, self-employed carers must hold their own liability and, where relevant, malpractice insurance. Your policy is primarily for your agency’s activities. We can advise how responsibilities should be split and documented.

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Do introductory agencies need to be CQC registered?

Some purely introductory agencies may not require CQC registration if they do not carry out regulated activities. However, if you start to manage or direct care, you may cross over into regulated activity. We recommend you seek regulatory advice on your specific model and we’ll match the insurance accordingly.

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Can we pay monthly for introductory agency insurance?

Yes – many policies can be paid monthly via premium finance (subject to status), which can help cash flow for start-ups and growing platforms.

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