Business Insurance for Home Care Startups

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Specialist insurance for new domiciliary care providers, home care agencies and micro-startups

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We compare quotes from leading care sector insurers

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

STARTUP BUSINESS INSURANCE FOR DOMICILIARY CARE PROVIDERS

Insurance Designed for New Home Care Agencies

Setting up a home care business is a major step. You’re dealing with vulnerable clients, complex regulation, CQC registration, staffing, contracts and cashflow – all at the same time. The right insurance doesn’t just tick a compliance box; it helps protect your new business from claims, complaints and unexpected setbacks in those crucial first years.

Insure24 specialises in business insurance for home care startups and micro-agencies. Whether you’re just preparing for CQC registration or have started taking on your first clients, we can build a package to match your size, budget and risk profile.

What’s Included in Home Care Startup Business Insurance?

Core covers most new domiciliary care businesses need from day one.

  • Public Liability Insurance – injury or property damage to clients and visitors
  • Professional Indemnity – allegations of negligence, errors or poor advice
  • Medical Malpractice (where required) – hands-on care and clinical activities
  • Employers’ Liability – compulsory cover once you hire carers or office staff
  • Office & Business Contents – computers, phones, furniture and documents
  • Business Interruption (optional) – loss of income after an insured property loss
  • Legal Expenses – HR, contract disputes and regulatory investigations
  • Cyber Insurance (optional) – protection for client data and care records
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Common Risks for New Home Care Businesses

Key exposures facing newly-registered and pre-launch care agencies.

  • Client injury during personal care, moving & handling or bathing
  • Allegations of neglect, poor record-keeping or failure to follow care plans
  • Medication errors and administration mistakes
  • Slips, trips and falls in clients’ homes
  • Staff incidents while lone working in the community
  • Data protection breaches involving care plans and medical information
  • Complaints and claims while policies, procedures and training are new
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Why Home Care Startups Choose Insure24

  • Experience arranging insurance for new and growing domiciliary care agencies
  • Flexible limits and options for very small or micro providers
  • Policies that support CQC requirements and commissioner expectations
  • Clear explanations in plain English – not just insurance jargon
  • Ability to adapt cover as you take on more staff and clients
  • Access to a range of specialist care sector insurers
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How to Arrange Business Insurance for Your Home Care Startup

  • 1. Tell us about your new business – services, client types and number of carers
  • 2. Confirm your legal structure (sole trader, partnership, limited company)
  • 3. Share your planned start date and any CQC registration timelines
  • 4. We obtain quotations from specialist care insurers
  • 5. You choose the cover limits and options that fit your budget and growth plans
  • 6. Receive your documents ready for CQC, local authorities and private clients
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STARTUP INSURANCE
TAILORED FOR YOUR HOME CARE BUSINESS

PROTECT YOUR NEW CARE AGENCY FROM DAY ONE

  • Cover for small teams, from sole providers to first hires
  • Ability to increase limits quickly as your client base grows
  • Options for management liability as you take on directors’ responsibilities
  • Support with evidence of insurance for commissioners and introducers
  • Designed specifically for domiciliary care and community care providers
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FREQUENTLY ASKED QUESTIONS

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Do I need insurance in place before CQC registration?

You will typically need to show evidence of appropriate insurance as part of your CQC registration and when you start providing regulated activities. We can help you time your cover to support your registration and launch plans.

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What’s the difference between Public Liability and Professional Indemnity for home care?

Public Liability covers injury or property damage to third parties (for example, a client tripping over a bag). Professional Indemnity responds to allegations that your professional service, decisions or care planning were negligent and caused a client harm or financial loss.

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Is Employers’ Liability compulsory for my home care startup?

In most cases, yes. If you employ anyone – including carers, coordinators or office staff – UK law usually requires you to hold Employers’ Liability Insurance, even if they work part-time or on a casual basis.

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Can you cover self-employed carers working for my agency?

Many policies can be structured to cover a mix of employed and self-employed carers, but insurers will want to understand your contracts and supervision arrangements. We will discuss your model and ensure the policy reflects it.

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How much does business insurance for a home care startup cost?

Premiums depend on factors like your turnover, services offered, number of carers, claims history and required cover limits. As a startup, we understand budgets are tight – we’ll work with you to find a realistic level of cover you can afford.

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Can my cover grow as my home care business expands?

Yes. Your insurance can be adjusted as you take on more clients, staff and commissioners. Regular reviews ensure limits and covers stay aligned with the size and risk profile of your agency.

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Do you provide support if a claim or complaint is made?

Yes. If a claim, incident or complaint arises, we help you notify insurers correctly and support you through the process, working alongside the insurer’s claims handlers to help protect your business and reputation.

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