Mental Health Support Insurance for Domiciliary Care Providers

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Specialist insurance for community mental health support, supported living & 1:1 care in people’s homes.

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We work with leading UK care & charity sector insurers

INSURANCE DESIGNED FOR COMMUNITY MENTAL HEALTH & SUPPORTED LIVING

  • SERVICE USER RISK

  • STAFF LIABILITY

  • REGULATORY EXPECTATIONS

  • RISK MANAGEMENT

Why Mental Health Support Insurance Matters

Mental health support in the community can be complex: crisis support, lone working, challenging behaviour, self-harm risk, medication support and safeguarding responsibilities. Whether you provide 1:1 support, outreach visits or supported living at home, your organisation needs insurance that reflects the realities of mental health work and the expectations of commissioners, CQC and families.

Key Mental Health Support Insurance Cover

Core protections for domiciliary care & community mental health providers.

  • Public Liability – if a service user or member of the public is injured, or property is damaged.
  • Professional Indemnity – for allegations of poor advice, support planning or professional decisions.
  • Treatment / Medical Malpractice – where staff provide hands-on support, medication prompts or health-related tasks.
  • Employers’ Liability – compulsory cover for support workers, key workers, team leaders & management.
  • Abuse / Safeguarding Extensions – where available, to address allegations of abuse, neglect or failure to protect.
  • Legal Expenses – support with employment disputes, regulatory investigations & contract issues.
  • Directors’ & Officers’ / Management Liability – protection for owners, trustees & senior management decisions.
  • Office, IT & Business Contents – cover for your premises, laptops and records.
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Common Risks in Community Mental Health & Support Work

  • Self-harm or suicide risk and subsequent investigations into care decisions.
  • Allegations of inadequate supervision or failure to follow risk management plans.
  • Challenging behaviour, including aggression or damage to property.
  • Medication errors, poor record keeping or missed visits.
  • Lone working risks for staff in service users’ homes or the community.
  • Safeguarding and capacity concerns involving families, advocates and professionals.
  • Stress, burnout and staff injuries related to mental health support roles.
  • Reputational damage following serious incidents or complaints.
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Why Choose Insure24 for Mental Health Support Insurance?

  • Specialist focus on domiciliary care, supported living & community support services.
  • Access to insurers who understand mental health, autism, learning disability & complex needs.
  • Policies shaped around risk assessments, care plans and positive behaviour support (PBS).
  • Support aligning cover with CQC, local authority & ICB/ICS commissioning requirements.
  • Flexible structures for charities, community interest companies and private providers.
  • Guidance on lone worker policies, incident reporting and safeguarding procedures.
  • Help if you’re moving from small start-up provision to multi-team, multi-area services.
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How to Arrange Mental Health Support Insurance

  • 1. Tell us about your service users – age groups, conditions, complexity & risk levels.
  • 2. Explain your service model – domiciliary visits, outreach, crisis support, supported living or 24-hour packages.
  • 3. Share your staffing profile – employed staff, bank workers, volunteers or sessional support.
  • 4. We review your risk management, safeguarding and lone worker procedures.
  • 5. We obtain tailored quotes from care-sector insurers and help you select the right cover.
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Mental Health Support Insurance for Different Types of Providers

Flexible cover whether you support a small number of clients or deliver large, multi-area services.

Domiciliary Mental Health Support Services

  • Home-based support, outreach visits & enabling services.
  • Support with daily living, routines & independence.
  • Cover designed around individual care plans and risk assessments.

Supported Living & Community-Based Services

  • Shared or individual supported living properties.
  • 24-hour support, on-call and waking night arrangements.
  • Policies suitable for complex behaviour and higher-risk needs.

Charities, CICs & Voluntary Sector Organisations

  • Community projects, drop-in support & peer-support schemes.
  • Mix of paid staff, volunteers and sessional workers.
  • Cover options reflecting grant funding and commissioner requirements.

Specialist Mental Health & Complex Needs Providers

  • Support for personality disorder, forensic histories or dual diagnosis.
  • Higher-risk environments with robust risk management.
  • Bespoke structures and higher indemnity limits where needed.
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We support adults with complex mental health needs in the community. Insure24 understood the pressures we face and arranged cover that satisfied our commissioners and our board.

Emma L., Chief Executive – Community Mental Health Charity

FREQUENTLY ASKED QUESTIONS

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What is mental health support insurance?

Mental health support insurance is designed for organisations providing support to people with mental health needs in the community or at home. It can include public liability, employers’ liability, professional indemnity, treatment or medical malpractice and other business covers.

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Do I need treatment or medical malpractice cover?

If your staff assist with medication, physical healthcare tasks, clinical observations or hands-on support beyond basic social care, you may need treatment or medical malpractice cover. We can help you determine the right structure for your activities.

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Can this cover CQC-regulated mental health services?

Yes – we work with providers registered for regulated activities, as well as non-regulated services such as support, outreach and wellbeing projects. The key is matching the policy to your registration status and care model.

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Can we include volunteers and peer-support workers?

Many policies can extend to volunteers and peer-support roles, provided their duties are clearly defined and supervised. We’ll ask how you recruit, train and manage them before structuring cover.

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Do commissioners require specific insurance limits?

Often yes – local authorities, NHS commissioners and housing providers frequently specify minimum liability limits in contracts or framework tenders. We can help align your policy with those requirements.

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Can I pay monthly for mental health support insurance?

Yes – many policies can be funded through monthly premium finance (subject to status), which can help smooth cash flow for charities and growing care providers.

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