Domiciliary Care Insurance for CQC-Registered Providers | SRS Insurance
Specialist Domiciliary Care Insurance from SRS — designed for CQC-registered home care agencies. Protect your carers, clients, and business operations.
What Is Domiciliary Care Insurance?
Domiciliary Care Insurance is a specialist policy designed for businesses that provide personal care and support in clients’ homes.
It protects your organisation against the unique risks of caring for elderly, disabled, or vulnerable adults, covering everything from public liability to abuse allegations and CQC investigations.
Services typically include:
- Personal care (washing, dressing, feeding)
- Medication administration
- Companionship and emotional support
- Light domestic help and mobility assistance
As a CQC-regulated service, suitable insurance is mandatory for registration and day-to-day operation.
Who Needs This Insurance?
Domiciliary Care Insurance is essential for:
- Start-up home care providers and agencies
- Community Interest Companies (CICs) delivering local care
- Private home support services
- Businesses funded by local authorities or the NHS
- Live-in care companies
- Even sole traders providing regulated personal care
If you provide any level of regulated home care, CQC expects you to hold an appropriate insurance policy.
What Does Domiciliary Care Insurance Cover?
A comprehensive policy from SRS Insurance typically includes:
- Public Liability – injury or property damage in a client’s home
- Employers’ Liability – legally required if you employ carers or office staff
- Professional Indemnity – mistakes in care planning, record-keeping, or advice
- Medical Malpractice – errors in medication, treatment, or care
- Abuse Cover – protection against allegations or incidents of abuse
- Legal Expenses – representation for tribunals, CQC investigations, or disputes
- Personal Accident – optional cover for carers working in high-risk environments
- Contents & Equipment – protection for office and mobile care equipment
Failure to hold appropriate insurance can delay registration or lead to enforcement action.
Optional Add-Ons
- Cyber Insurance – for safeguarding client data and medical records
- Business Interruption – covers loss of income during enforced closure
- Directors’ & Officers’ Liability (D&O) – protects senior management and trustees
Why Standard Business Insurance Isn’t Enough
Generic business or public liability policies often exclude:
- Personal or medical care activities
- Abuse or safeguarding-related claims
- Regulatory investigation costs (CQC or Ofsted)
- Complex risk profiles of vulnerable clients
SRS partners only with specialist care sector insurers who understand CQC compliance and risk management.
How Much Does It Cost?
Premiums depend on:
- Number and type of staff
- Scope of care (basic assistance vs. complex medical tasks)
- Local authority or NHS contracts
- CQC inspection history or start-up status
- Business structure (Ltd, CIC, or sole trader)
Indicative range:
- Start-up care agency: from £3,000–£4,500 per year
- Established multi-staff provider: from £5,000+
SRS Insurance will compare the UK’s leading care sector insurers to find you the right cover at a competitive rate.
Why Choose SRS Insurance?
- Specialists in CQC-regulated and domiciliary care insurance
- Access to trusted underwriters for the care and social support sector
- Expert help with CQC compliance and registration
- Tailored policies to match your services and structure
- Dedicated claims and support team
Get a Quote Today
Protect your care business, your staff, and your clients with SRS Domiciliary Care Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.