Key Holding & Client Property Liability Cover

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Protection for carers and care agencies responsible for client keys, homes and personal property

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We compare quotes from leading care sector insurers

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

INSURANCE FOR KEY HOLDING & CLIENT PROPERTY RESPONSIBILITY

Protection for Carers With Access to Clients’ Homes & Belongings

Domiciliary care professionals are routinely entrusted with clients’ house keys, door codes, valuables and personal property. Whether letting yourself in for a visit or managing a client’s possessions during daily care tasks, you hold a position of trust - and with it comes liability.

Insure24’s Key Holding & Client Property Liability Cover is designed for carers, support workers and home care providers who need protection against claims involving lost keys, home security, damaged property or allegations of theft.

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What Does Key Holding & Client Property Liability Cover Include?

Essential cover for care agencies and individual carers with access to client homes and belongings.

  • Cover for lost or stolen client keys held by carers
  • Liability for costs of replacing locks or security systems
  • Protection against accidental damage to client property
  • Cover for allegations of theft or missing items (subject to policy terms)
  • Damage caused while entering or leaving a client’s home
  • Cover for carers working alone, live-in carers and community staff
  • Can be added to wider care insurance packages
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Common Risks for Carers Handling Client Keys & Property

Situations that frequently lead to claims or disputes.

  • Lost client house keys resulting in lock replacements
  • Forced entry damage if carers suspect a welfare issue
  • Accidental damage to ornaments, furniture or personal belongings
  • Allegations of missing valuables following home visits
  • Security breaches caused by incorrect locking of doors
  • Family disputes over damaged sentimental or high-value items
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Why Care Providers Choose Insure24

  • Specialist broker for home care and community health providers
  • Cover aligned with CQC expectations and commissioner requirements
  • Tailored protection for carers with key access and property responsibilities
  • Fast documentation for onboarding, employment and compliance checks
  • Trusted by agencies, care groups and self-employed carers across the UK
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How to Arrange Key Holding & Client Property Cover

  • 1. Tell us how often you hold client keys and what access you have
  • 2. Confirm the number of carers who handle client property
  • 3. Provide details about your safeguarding and record-keeping policies
  • 4. We source quotes from specialist care sector insurers
  • 5. You choose the right limit and options for your service
  • 6. Receive your documents instantly for CQC and client assurance
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KEY HOLDING & PROPERTY
LIABILITY COVER TAILORED FOR CARE PROVIDERS

IDEAL FOR DOMICILIARY, COMMUNITY & LIVE-IN CARE

  • Domiciliary care agencies
  • Self-employed carers
  • Live-in care providers
  • Support workers & community carers
  • Home help & companionship services
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FREQUENTLY ASKED QUESTIONS

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Does this cover apply if a carer loses a client’s keys?

Yes. The policy can cover the cost of lock replacements, new keys and new security systems if a carer loses client keys.

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Does it cover accidental damage to client belongings?

Yes, accidental damage to a client’s personal property can be covered, depending on the policy wording and circumstances.

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Does this cover protect against allegations of theft?

Some specialist policies provide protection against allegations of theft, subject to conditions such as DBS checks, record-keeping and investigation.

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Does the cover apply to all staff or only named carers?

Policies can be structured to include individual carers, all staff within a care agency, or a mix of employed and self-employed carers.

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How quickly can the cover be arranged?

Cover can often be arranged the same day, depending on your provider type and the level of access carers have to client property.

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