Learning Disability Support Insurance

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Specialist insurance for learning disability support providers, supported living services and domiciliary care agencies.

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We compare quotes from leading care sector insurers

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

Insurance for Learning Disability Support & Domiciliary Care Providers

Supporting people with learning disabilities in their own homes or supported living settings brings unique responsibilities and risks. From personal care and daily living skills through to community activities, transport and safeguarding, your service needs insurance that truly reflects what you do. Insure24’s Learning Disability Support Insurance is designed for organisations and individuals delivering learning disability support in the community, with cover that can include public liability, professional indemnity, treatment liability and employer’s liability.

Who is this cover for?

  • Domiciliary care agencies supporting people with learning disabilities
  • Supported living providers and outreach teams
  • Personal assistants and individual support workers
  • Micro-providers and small community-based services
  • Hybrid services offering learning disability, autism and complex needs support

Key benefits

  • Policies tailored to learning disability support activities
  • Cover options for personal care, community access and independent living support
  • Protection against claims from clients, families, funders or third parties
  • Support with CQC insurance expectations for community-based services
  • Specialist advice from brokers who understand social care
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Learning Disability Support Insurance – What’s Covered?

Public Liability

Covers your legal liability if a client, visitor or member of the public is injured or their property is damaged as a result of your support activities.

  • Accidents in clients’ homes or supported living settings
  • Damage to property during personal care or domestic tasks
  • Incidents while supporting clients in the community

Professional Indemnity & Treatment Liability

Protects you if someone alleges that the support, advice or interventions you provided were negligent and caused harm or loss.

  • Support planning, outcomes-focused work and risk assessments
  • Record keeping, documentation and communication with families
  • Optional treatment risk for specified clinical or delegated tasks (subject to underwriter agreement)

Employer’s Liability

A legal requirement for most organisations employing staff. Covers claims from employees who are injured or become ill as a result of their work.

  • Injuries while assisting with mobility or moving & handling
  • Work-related stress or psychological injury claims
  • Cover for full-time, part-time and bank staff

Additional Covers

Learning disability support providers can also consider:

  • Medical malpractice extensions for specified tasks
  • Legal expenses and HR support cover
  • Office, contents and portable equipment insurance
  • Business interruption and loss of revenue following insured events
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Balancing Risk, Independence & Regulation

Learning disability support is about enabling choice, control and independence while managing risk in a person-centred way. Insurers and regulators recognise that positive risk-taking is part of good support – your insurance should reflect this reality rather than restricting it.

Key risk areas we consider

  • Supporting people in the community, including travel and activities
  • Managing finances, benefits and personal possessions
  • Positive behaviour support and managing behaviour that challenges
  • Safeguarding, boundaries and lone working
  • Communication, decision-making and best interest processes

Aligned with CQC and sector expectations

  • Supports CQC expectations for suitable indemnity arrangements
  • Reflects best practice around the Mental Capacity Act and human rights
  • Suitable for local authority, NHS and framework contracts
  • Policy documents that can be used as part of inspection evidence
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How to Arrange Learning Disability Support Insurance

  1. Tell us about your service: Number of people you support, type of support you provide and where you operate.
  2. We assess your risk: We look at your activities, policies, staffing model and claims history.
  3. We source tailored options: We approach insurers who understand learning disability support and community care.
  4. Cover goes live: When you accept a quote, documents are issued and you can share evidence with funders and regulators.

Information we typically collect

  • Annual turnover and funding mix (local authority, NHS, private)
  • Number of service users and support hours delivered
  • Details of personal care, medication and clinical tasks (if any)
  • Staffing levels, recruitment checks and training arrangements
  • Claims or incidents from the last 3–5 years
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“Insure24 understood our supported living model and helped us put the right cover in place for learning disability and autism support. They explained the policy wording clearly and worked to our contract deadlines.”

Service Manager, Learning Disability Support Provider

FREQUENTLY ASKED QUESTIONS

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What is Learning Disability Support Insurance?

Learning Disability Support Insurance is a specialist form of community care cover for organisations and individuals who support people with learning disabilities. It combines public liability, professional indemnity, employer’s liability and other covers tailored to everyday support activities.

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Who should have Learning Disability Support Insurance?

Domiciliary care agencies, supported living providers, outreach services, personal assistants and self-employed support workers who assist people with learning disabilities should all consider this type of cover.

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How is this different from general domiciliary care insurance?

Learning disability support often involves greater emphasis on community access, independent living skills, behaviour support and positive risk-taking. Specialist cover is structured with these activities in mind and can offer more appropriate wording and limits than a generic policy.

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Does the insurance cover community activities and days out?

Yes, policies can be arranged to cover a wide range of community-based activities, such as shopping, social events, sports and travel, providing these activities have been declared to the insurer.

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Does it include cover for managing money and personal finances?

Some policies can extend to cover certain responsibilities around handling service users’ money, subject to appropriate controls being in place. It is important to explain clearly what you do so we can place you with a suitable insurer.

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Will this policy meet CQC insurance requirements?

CQC expects providers to have appropriate indemnity arrangements in place. Insure24 works with care-specialist insurers whose policies are suitable for learning disability and supported living services, helping you demonstrate compliance at inspection.

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Can small or new services arrange cover?

Yes. We support new start-ups, micro-providers and growing services. Underwriters may ask more detailed questions about experience, training and governance when a service is new or expanding rapidly.

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Does the insurance cover allegations of abuse or neglect?

Some policies can include cover for defence costs and certain liabilities linked to allegations of abuse or neglect, subject to robust safeguarding and safer recruitment procedures. We will explain how each insurer approaches this sensitive area.

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What limits of indemnity are typical for learning disability services?

Limits depend on contract requirements, commissioner expectations and the complexity of the people you support. We can discuss common limits for public liability, professional indemnity and employer’s liability and help you choose levels appropriate to your service.

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How do I get a quote for Learning Disability Support Insurance?

You can call Insure24 on 0330 127 2333 or start your quote online. We will ask for details of your service, staff and support model, then obtain tailored terms from insurers who specialise in learning disability support.
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