Palliative & End-of-Life
Domiciliary Care Insurance

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Specialist insurance for providers delivering palliative and end-of-life care in people’s homes and the community.

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We work with insurers that understand complex palliative care risk

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

INSURANCE FOR PALLIATIVE & END-OF-LIFE CARE IN THE HOME

Protecting Services that Support People at the Most Important Time

Palliative and end-of-life domiciliary care is highly specialised. You support people with complex conditions, controlled drugs, syringe drivers, advanced care plans and emotionally charged family situations – often in homes that you do not control and with limited clinical back-up on site.

Insure24 helps hospices, domiciliary care providers and community palliative teams arrange insurance that reflects these realities – combining medical malpractice, liability and management covers tailored to the risks of end-of-life care at home.

Core Covers for Palliative & End-of-Life Domiciliary Care Providers

Insurance designed around complex needs, vulnerable clients and multi-agency working.

Clinical & Care Delivery Covers

  • Medical Malpractice / Treatment Risk – for clinical decisions, medication and interventions.
  • Professional Indemnity – for care planning, risk assessments and documentation errors.
  • Public Liability – injury to clients, family members or visitors in the course of care.
  • Employers’ Liability – compulsory cover for employed staff and certain volunteers.
  • Abuse / Safeguarding Extensions – cover for allegations of abuse (where available).
  • Care Worker Personal Accident – benefits for staff injured in accidents at work.
  • Medical Equipment & Kit – pumps, syringe drivers, hoists and loaned equipment.

Management, Governance & Support Covers

  • Management Liability / Directors’ & Officers’ – for decisions at board and manager level.
  • Legal Expenses – employment disputes, HSE investigations and contract issues.
  • Property & Contents – offices, hospice hubs and community equipment stores.
  • Business Interruption – loss of income following insured damage at your premises.
  • Cyber & Data Liability – sensitive clinical data and care records.
  • Reputational Support & PR (where available) – following serious incidents or allegations.
  • Bespoke Extensions – for hospice-at-home and integrated palliative pathways.
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Key Risks in Palliative & End-of-Life Domiciliary Care

End-of-life care brings a unique mix of clinical, emotional and reputational exposure.

Clinical & Medication Risks

  • Medication errors, including controlled drugs, pain relief and sedatives.
  • Mismanagement of syringe drivers, pumps and oxygen equipment.
  • Failure to follow shared care plans or anticipatory medication guidelines.
  • Delayed recognition of deterioration or escalation to out-of-hours teams.
  • Disputes over DNACPR decisions and end-of-life wishes.
  • Complex co-morbidities and non-standard presentations in the home setting.

Family, Communication & Environment Risks

  • Allegations from distressed or grieving family members.
  • Disagreements between relatives about preferred place of care or treatment choices.
  • Complex safeguarding concerns in family homes.
  • Unsafe environments – clutter, pets, smoking, poor hygiene or poor access.
  • Lone working in unfamiliar neighbourhoods, often out of hours.
  • Reputational damage following complaints, media interest or inquests.
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Who Is Palliative / End-of-Life Domiciliary Care Insurance For?

Tailored protection for a range of organisations and teams delivering end-of-life care at home.

Domiciliary & Community Care Providers

  • Homecare agencies with dedicated palliative/end-of-life packages.
  • General domiciliary care providers supporting end-of-life as part of wider services.
  • Live-in care providers supporting people to die at home.
  • Specialist complex care providers delivering high-dependency support.
  • Palliative outreach and hospice-at-home teams linked to hospice or hospital services.

Individual Clinicians & Micro-Providers

  • Registered nurses providing specialist palliative care in the community.
  • Self-employed complex care workers and micro providers.
  • Palliative care consultants working under contract with care providers.
  • Personal Assistants (PAs) supporting people with end-of-life needs at home.
  • Therapists and allied health professionals involved in symptom management and support.
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How Palliative Care Insurance Is Arranged

1. Understand Your Service & Risks

  • We review your CQC registration, service types and dependency levels.
  • We look at your workforce – nurses, carers, PAs, volunteers and contractors.
  • We map typical care pathways and how you interact with GPs, hospices and hospitals.
  • We discuss controlled drugs, equipment and lone-working arrangements.
  • We review any serious incidents, complaints or inquests in recent years.

2. Build a Joined-Up Insurance Programme

  • Combine medical malpractice, public liability and employers’ liability.
  • Align limits with commissioner, hospice and contract requirements.
  • Add management liability, cyber and personal accident where needed.
  • Check that all locations, teams and legal entities are properly included.
  • Provide clear summaries you can share with commissioners, families and staff.
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Commissioners expect us to support people to die at home where possible, but the risks feel higher. Insure24 helped us restructure our malpractice and liability cover specifically around palliative and end-of-life care.

Registered Manager, Domiciliary & Palliative Care Service

INSURANCE DESIGNED AROUND PALLIATIVE & END-OF-LIFE
CARE IN PEOPLE’S OWN HOMES

WHY PALLIATIVE CARE PROVIDERS CHOOSE INSURE24

  • Understanding of complex needs, anticipatory care and hospice-at-home models.
  • Experience placing cover for high-dependency and end-of-life community services.
  • Support explaining your risk profile to underwriters in the right language.
  • Ability to integrate with your wider domiciliary care insurance programme.
  • Practical, plain-English advice for managers, trustees and clinicians.
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Governance, CQC & Multi-Agency Working

Insurance isn’t the only answer – but it should sit neatly alongside your governance framework.

Governance & Documentation

  • Care plans and advance care plans aligned with GP and hospice teams.
  • Clear documentation around DNACPR, Mental Capacity and best-interest decisions.
  • Incident and near-miss reporting for medication, falls and equipment issues.
  • Complaints procedure and family communication standards.
  • Shared protocols with community nurses, GPs and specialist palliative teams.

CQC & Commissioner Expectations

  • Evidence of appropriate insurance in line with CQC’s “Safe” and “Well-led” domains.
  • Commissioner or hospice partner requirements for malpractice and liability limits.
  • Lone-working policies, out-of-hours processes and escalation pathways.
  • Staff training records for end-of-life care, communication and symptom control.
  • Clinical supervision and reflective practice arrangements for complex cases.
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FREQUENTLY ASKED QUESTIONS

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What is palliative / end-of-life domiciliary care insurance?

It is an insurance programme designed specifically for organisations and individuals providing palliative and end-of-life care in people’s homes. It typically combines medical malpractice, public liability, employers’ liability and related covers to reflect the clinical and emotional risks of caring for people at the end of life.

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How is palliative care risk different from standard domiciliary care?

Palliative care often involves higher-dependency clients, controlled drugs, syringe drivers, complex symptom management and sensitive end-of-life decisions. Family expectations and emotions can be intense, and services are closely scrutinised by commissioners and regulators. Insurance needs to reflect these additional exposures.

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Do we need separate insurance if palliative care is only part of our service?

Not always. In many cases, your domiciliary care insurance can be structured to include palliative and end-of-life work, provided it is properly disclosed and underwriters are comfortable with the clinical risk, training and governance in place. We will review your current programme and advise whether changes are needed.

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Are syringe drivers and controlled drugs covered?

These can usually be covered as part of a medical malpractice or treatment risk policy, provided appropriate protocols, training and governance are in place. Insurers will expect clear policies, drug registers and joint working arrangements with prescribers and hospice/GP teams. We will discuss this in detail when arranging cover.

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Does this insurance cover complaints and inquests?

Many malpractice and management liability policies include support with regulatory investigations, coroner’s inquests and certain legal costs, subject to the wording. We will highlight what is included and, if needed, consider legal expenses products that specifically support inquests and inquiries.

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Can self-employed nurses and complex care workers be covered?

Yes. Self-employed nurses and complex care workers can often obtain individual medical malpractice and liability cover for their palliative work, subject to qualifications, experience and scope of practice. We will discuss your specific role and build cover around it.

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Will this help with CQC and commissioner requirements?

Having appropriate insurance is part of demonstrating that your service is safe and well-led. While CQC and commissioners do not endorse specific policies, being able to show a thoughtful, tailored programme can support your overall governance and risk story.

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Can we include volunteers in our palliative care insurance?

Many policies can extend to include volunteers, subject to clear role descriptions and appropriate training. We will need to understand what your volunteers do, how they are supervised and whether they provide any hands-on care or clinical tasks.

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How much does palliative domiciliary care insurance cost?

Premiums depend on factors such as turnover, number of service users, dependency levels, staff mix, incident history and governance arrangements. We’ll gather key information and then obtain quotations from insurers with an appetite for health and social care risks.

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How do we get started with a quote or review?

Contact Insure24 with an outline of your service, CQC registration, staffing and the type of palliative or end-of-life support you provide. We’ll talk you through the information needed and then build a proposal tailored to your risks and commissioning environment.

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