• Public liability – injury to service users or third parties and damage to their property.
• Professional indemnity – allegations of negligent advice, care or support planning.
• Medical malpractice – cover for clinical tasks carried out by carers (e.g. medication, simple dressings) where required.
• Employers’ liability – protection if employed carers or office staff are injured while working for you.
• Abuse and safeguarding liability – subject to strict conditions and risk management.
• Legal expenses – support with certain regulatory investigations, employment disputes and pursuit/defence of claims.

• Service user falls, trips and manual handling injuries.
• Medication errors – missed doses, incorrect administration or recording mistakes.
• Pressure sores and tissue viability issues where care plans are not followed.
• Food hygiene and nutrition-related incidents.
• Allegations of abuse, neglect or poor care standards.
• Damage to service users’ belongings or property while carers live in their homes.
• Carer injuries from moving & handling, challenging behaviours or home environments.
• Data protection breaches involving care records and personal information.

• Experience working with domiciliary and live-in care agencies across the UK.
• Access to specialist care sector insurers and underwriters.
• Policies built around your specific model – fully managed, introduction-only, or mixed.
• Ability to include complex needs, dementia, end-of-life and 24/7 care (subject to underwriting).
• Support in aligning insurance with CQC guidance, contracts and local authority frameworks.

• 1. Initial Call – we discuss your services, client groups and regulatory status.
• 2. Information Gathering – we collect details on staff numbers, turnover and claims history.
• 3. Risk Review – we look at safeguarding, medication, lone working and supervision arrangements.
• 4. Market Approach – we present your risk to appropriate care-sector insurers and negotiate terms.

• Fully managed live-in care arrangements with care planning and supervision.
• Complex needs including dementia, mental health and end-of-life care.
• Integration with domiciliary care for hourly visits and back-up.
• Support for NHS continuing healthcare and local authority placements.
• Cover to reflect your contractual responsibilities to families and commissioners.

• Multi-branch live-in and domiciliary care networks.
• Group programmes or individual franchise policies.
• Standardised cover with branch-level flexibility.
• Support with insurer risk surveys and best-practice sharing.
• Options for central management liability and cyber cover.

Service users are often older, frail or living with complex physical and mental health conditions. This increases both the likelihood and potential impact of incidents.

• Higher risk of falls, confusion and wandering.
• Increased reliance on carers for personal care and decision-making.
• Potential for financial abuse or undue influence if controls are weak.
• Family disputes and conflicting expectations of the care package.

Increasingly complex care is being delivered in people’s homes, sometimes with limited equipment or support.

• Medication administration, prompting and recording in busy home environments.
• Monitoring long-term conditions and escalating concerns in a timely way.
• Managing infections, including pressure damage and wound care.
• Co-ordinating with GPs, district nurses and community teams.

• Compensation payments following injury or negligence claims.
• Legal fees and expert reports needed to defend allegations.
• Increased staffing or agency costs following suspension or cover arrangements.
• Management time spent responding to investigations and hearings.
• Short-term loss of income if packages are suspended or withdrawn.
• Potential excess payments on each claim.

• Number of service users receiving live-in care and their needs.
• Proportion of privately funded vs. local authority/CHC packages.
• Types of conditions supported – dementia, learning disability, neurological, palliative.
• Use of restrictive practices or complex behavioural support (if any).
• Geographical spread and travel requirements for carers.
• Average and maximum package values and durations.
• Mix of live-in vs hourly domiciliary care provided.
• Any previous serious incidents, inquests or large claims.

Situation: A live-in carer supported an older person living with dementia. The service user fell at night and sustained a hip fracture.

Impact: The family alleged that the carer had failed to implement the falls prevention plan and brought a claim.

Resolution: Public liability and professional indemnity cover responded, funding legal defence and a settlement contribution, while the provider strengthened risk assessments and night-time monitoring.

Situation: A safeguarding referral alleged neglect in relation to personal care and nutrition for a live-in care client.

Impact: Local authority, CQC and police enquiries followed, and the family considered civil action.

Resolution: The provider’s liability and legal expenses covers supported their response, including legal advice and representation, while robust care records were vital in defending the quality of care.

• Robust assessment and care planning before packages start.
• Clear documentation of roles and responsibilities between families, professionals and carers.
• Evidence-based falls prevention, pressure care and medication procedures.
• Regular review of care plans as needs change.
• Effective communication with NHS and community services.
• Incident review meetings and action plans following near-misses.
• Use of appropriate equipment and adaptations in the home.
• Accessible policies for consent, mental capacity and DoLS.

Ideal for: New agencies and smaller providers building their live-in care service.

• Core public liability, professional indemnity and employers’ liability cover.
• Flexible limits to reflect early-stage turnover and growth.
• Practical guidance on meeting insurer and regulator expectations.
• Policy wording suitable for contracts and registration.
• Options to add cover as services expand.

Ideal for: Providers supporting highly complex needs at home.

• Bespoke consideration of clinical tasks delivered in people’s homes.
• Input from specialist care underwriters and clinicians where needed.
• Higher limits and tailored extensions, subject to risk profile.
• Integration with wider community and supported living programmes.
• Ongoing review as acuity and client mix changes.

• The people you support in their own homes.
• The carers and staff who deliver your service every day.
• Your organisation’s finances, reputation and regulatory position.
• Your ability to respond and recover when things go wrong.
• Your long-term plans to grow and develop your live-in care offer.

• CQC (or relevant national regulator) requirements for registered providers.
• Local authority and NHS framework agreements and specifications.
• Insurance clauses in private client and commissioner contracts.
• Safeguarding duties and information-sharing obligations.
• Data protection and confidentiality requirements for care records.