Overnight & Waking Night Care Insurance for Domiciliary Care Providers

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Specialist insurance for overnight carers, waking night support & sleep-in care in clients’ homes.

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

We work with leading UK care sector insurers

INSURANCE DESIGNED FOR OVERNIGHT & WAKING NIGHT CARE

  • CARE STAFF RISKS

  • SERVICE USER SAFETY

  • LIABILITY & CLAIMS

  • REGULATORY SUPPORT

Why Overnight & Waking Night Care Insurance Matters

Overnight care brings added risk: lone working, medication administration, night-time falls and complex needs. Whether your carers are providing waking night supervision or sleep-in support, you need insurance that reflects the reality of delivering care in service users’ homes at night. Our overnight care insurance helps protect your clients, your staff and your domiciliary care business.

Key Overnight / Waking Night Care Insurance Cover

Core protections for domiciliary care providers delivering care throughout the night.

  • Public Liability – cover if a service user or visitor is injured or their property is damaged.
  • Professional Indemnity – for alleged errors, omissions or poor professional advice.
  • Treatment / Medical Malpractice – for hands-on care, assistance and medication support (where required).
  • Employers’ Liability – compulsory cover for employed carers, support workers & night staff.
  • Abuse / Safeguarding Extensions – where available, to address allegations of neglect or abuse.
  • Legal Expenses – support with employment disputes, HSE investigations & contract issues.
  • Office & Business Contents – cover for equipment, laptops and records at your premises.
  • Business Interruption – protection if insured events impact your ability to provide care.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Common Risks in Overnight & Waking Night Care

  • Night-time falls when service users mobilise or go to the bathroom.
  • Medication errors, missed observations or documentation issues.
  • Allegations of neglect, poor supervision or delayed response.
  • Lone worker safety concerns for carers in unfamiliar environments.
  • Manual handling injuries when assisting with transfers in the night.
  • Damage to service user property while working in their home.
  • Safeguarding investigations after concerns are raised.
  • Stress-related claims and staff retention issues for night teams.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Why Choose Insure24 for Overnight / Waking Night Care Insurance?

  • Specialist focus on domiciliary & community care providers.
  • Access to care-sector insurers who understand overnight risk.
  • Policies that reflect waking nights, sleep-ins & mixed care packages.
  • Support aligning cover with CQC expectations and commissioner requirements.
  • Flexible cover levels to suit start-ups, growing agencies and established providers.
  • Help reviewing risk assessments, lone worker policies & care procedures.
  • Dedicated team familiar with contracts, framework tenders & local authority work.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

How to Arrange Overnight / Waking Night Care Insurance

  • 1. Tell us about your services – waking nights, sleep-ins, emergency calls & live-in care.
  • 2. Share your staffing model – employed carers, bank staff, self-employed workers or PAs.
  • 3. We review your risk profile, claims history and regulatory requirements.
  • 4. We obtain quotes from insurers who understand domiciliary & overnight care.
  • 5. You choose the cover that best matches your contracts, budgets and growth plans.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Overnight / Waking Night Care Insurance for Different Providers

Flexible cover for a wide range of domiciliary and community care organisations.

Domiciliary Care Agencies

  • Providers offering packages of day visits plus waking or sleep-in nights.
  • Support with tenders, local authority contracts & framework requirements.
  • Cover that grows as you add new service users or locations.

Overnight Respite & Sitting Services

  • Night-time respite for families & unpaid carers.
  • Cover for supervision, personal care and companionship overnight.
  • Flexible structures for irregular or ad-hoc overnight visits.

Live-In Care Providers with Waking Night Support

  • Agencies combining live-in carers with additional night staff.
  • Cover for complex needs, dementia & palliative care packages.
  • Support with risk assessments for 24-hour care.

Personal Assistant / Direct Payment Support (via Agencies)

  • Agencies supplying carers funded via direct payments or personal health budgets.
  • Options to reflect different employment arrangements.
  • Guidance on boundaries between agency, PA and client liability.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

We provide waking nights and sleep-ins for clients with complex needs. Insure24 helped us build an insurance package that reflects the reality of night-time care and CQC expectations.

Sarah J., Registered Manager – Domiciliary Care Agency

FREQUENTLY ASKED QUESTIONS

+>-

What is overnight / waking night care insurance?

Overnight / waking night care insurance is designed for domiciliary care providers delivering care in clients’ homes throughout the night. It can include public liability, employers’ liability, professional indemnity and treatment or medical malpractice cover, depending on your activities.

+>-

Do I need different cover for waking nights and sleep-ins?

Not necessarily – but your insurer needs to understand whether staff are awake all night, on call as sleep-ins, or a mixture of both, as this affects risk and how the policy is underwritten.

+>-

Does this cover carers working alone in clients’ homes?

Yes – provided your lone worker procedures and risk assessments meet the insurer’s requirements. We will discuss your policies, supervision and escalation processes as part of the quotation.

+>-

Is treatment or medical malpractice cover included?

Many overnight care providers require treatment or medical malpractice cover if they assist with medication, clinical tasks or hands-on personal care. We can discuss whether this applies to your service and structure cover accordingly.

+>-

Can I cover self-employed or bank staff?

In many cases, yes – but it depends how those carers are engaged and supervised. We will ask how you contract, train and monitor any self-employed workers to ensure the policy reflects your arrangements.

+>-

Can I pay monthly for overnight care insurance?

Yes – most policies can be paid monthly via premium finance (subject to status), which can help with managing cash flow for growing care agencies.

Related Blogs