Large & Multi-Location Home Care Provider Insurance

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Insurance and risk solutions for large domiciliary care agencies, multi-branch home care groups and complex community care providers.

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We work with leading insurers for large & multi-site care providers

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

Insurance for Large & Multi-Branch Domiciliary Care Agencies

As a large or multi-location home care provider, you manage high volumes of visits, complex rotas, mixed funding streams and multiple CQC locations. That scale brings opportunity – but also greater risk exposure across clinical practice, safeguarding, employment, information governance and commercial contracts.

Insure24’s Large / Multi-Location Home Care Provider Insurance is designed for agencies with multiple branches or large teams, including franchise networks and care groups. We help you consolidate cover where appropriate, remove gaps between policies, and structure insurance around your governance framework and commissioner expectations.

Who is this cover for?

  • Large domiciliary care agencies with multiple local offices
  • Multi-location home care groups and corporate providers
  • Franchise networks seeking group-level support
  • Providers with mixed services (home care, live-in, complex care)
  • Organisations delivering thousands of care hours per week

Key benefits

  • Programmes tailored to large and multi-site operations
  • Ability to schedule multiple locations and entities on one programme
  • Support with commissioner, framework and tender requirements
  • Joined-up approach to liability, clinical and management risks
  • Access to care-sector specialist claims and risk support
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Large Home Care Provider Insurance – Core Covers

Public & Treatment Liability

Protects your organisation if service users, families or members of the public allege injury or property damage as a result of your care activities. Large agencies often require higher limits and broader treatment wordings.

  • Personal care, moving & handling, medication and clinical tasks
  • Liability for incidents in service users’ homes or the community
  • Options for higher limits to support local authority and NHS contracts

Professional Indemnity & Clinical Risk

Covers allegations that the professional advice, assessment or planning carried out by your organisation caused harm or financial loss. This is particularly important where you provide complex care or delegated healthcare tasks.

  • Care planning, assessments and risk management decisions
  • Clinical oversight, nurse-led or complex care at home
  • Input into multi-disciplinary teams and joint care plans

Employer’s Liability

Large home care agencies typically employ hundreds of staff across multiple locations. Employer’s liability covers you if employees are injured or become ill through their work.

  • Carers injured while providing moving & handling support
  • Stress, burnout or mental health-related claims
  • Cover for permanent staff, bank workers and certain agency arrangements

Property, Motor & Business Interruption

Multi-branch providers may need coordinated cover for offices, IT infrastructure, motor fleets and continuity risks.

  • Office and call centre premises, contents and equipment
  • Motor fleets, pool cars and business mileage solutions
  • Business interruption following insured damage or cyber events
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Governance, Regulation & Group-Level Risk

Larger home care providers are under intense scrutiny from commissioners, regulators and families. Insurers are increasingly focused on culture, governance and quality – not just claims history. Our role is to help you present your organisation clearly to the market and secure terms that reflect your controls and investment in quality.

Governance & CQC Expectations

  • Alignment with CQC’s “safe”, “effective” and “well-led” domains
  • Insurance programmes that support quality improvement plans
  • Evidence for inspections, tenders and framework renewals
  • Claims analysis to inform governance and training priorities

Management Liability & Entity Risks

  • Directors’ & Officers’ (D&O) cover for board and senior management
  • Employment practices liability for HR-related disputes
  • Entity defence costs for investigations and regulatory actions
  • Support for contract, tender and framework requirements
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How We Arrange Insurance for Large Home Care Agencies

  1. Discovery: We discuss your group structure, locations, services and strategic plans.
  2. Data & analysis: We review claims experience, CQC ratings, policies and risk controls.
  3. Programme design: We identify where cover can be consolidated, enhanced or restructured.
  4. Market approach: We approach suitable insurers and negotiate terms on your behalf.
  5. Implementation: We support branch roll-out, documentation and internal communication.

Information we typically request

  • Group structure, trading entities and location list
  • Turnover, service user numbers and care hours by service type
  • Claims data (usually last 3–5 years) across relevant policies
  • Summary of governance, audit and quality assurance processes
  • Any major contracts, frameworks or KPIs linked to insurance
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“Insure24 helped us move from multiple disconnected policies to a single programme across our branches. We now have clearer cover, better limits and a stronger story for commissioners and investors.”

Chief Executive, Multi-Branch Home Care Group

FREQUENTLY ASKED QUESTIONS

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What counts as a “large” home care provider for this insurance?

There is no single definition, but we typically class providers as “large” where they operate multiple branches, deliver high weekly care hours, employ significant numbers of staff or are part of a wider group, franchise or corporate structure.

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Can we put multiple locations on a single insurance programme?

In many cases, yes. We can often arrange a single programme that covers multiple locations and trading entities, with schedules showing which locations and services are included. This can reduce administration and help avoid gaps.

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Do we still need separate insurance for franchises or subsidiaries?

It depends on your legal structure and contracts. Some groups benefit from a master or umbrella programme with local policies beneath it; others can consolidate into a single policy. We’ll review your set-up and advise on the most suitable approach.

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Can the policy support large contracts and framework requirements?

Yes. We regularly work with providers bidding for or holding large local authority, NHS and framework contracts. We can help ensure that limits, wordings and documentation meet specified insurance requirements.

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Is management liability (D&O) included or separate?

Management liability is usually placed alongside your main liability programme but under a separate policy. It protects directors, officers and sometimes the entity itself against certain management-related claims and investigations.

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Can we include cyber and GDPR risks in the same programme?

Yes. Many large home care providers choose to integrate cyber, GDPR and data protection cover with their wider programme. This can help ensure consistent limits and a coordinated response to incidents affecting operations and information governance.

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Will our CQC ratings affect our insurance terms?

Insurers are increasingly interested in quality indicators, including CQC ratings and inspection reports. Strong ratings and improvement plans can help demonstrate good governance, while persistent issues may lead to more questions. We help you present your position clearly and constructively.

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What information do we need to provide for a quote?

We normally request details of your group structure, services, locations, turnover, staffing, claims history and governance arrangements. For very large programmes, we may work with you to build a fuller risk presentation for underwriters.

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Can you help us analyse our claims and trends?

Yes. Claims analysis is an important part of managing risk in larger organisations. We can work with insurers and loss adjusters to provide insights that support training, policy updates and quality improvement work.

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How do we get started with reviewing our current programme?

You can call Insure24 on 0330 127 2333 or contact us online. We’ll discuss your existing arrangements, upcoming renewals and strategic goals, then agree a timetable to review and, if appropriate, remarket your programme.
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