Details and documents - Domiciliary care insurance

If you, or your staff, conduct care duties via home visits to elderly or vulnerable adults, Towergate Patrick’s homecare insurance can provide a flexible insurance policy to suit most needs.

The tailored flexibility of the plan allows you to define the precise level of cover needed to protect your business. At a time of economic downturn, when clients may be looking to lower or maintain their existing premiums, this makes Towergate’s homecare policy a valuable means to supplement your inventory, value and volume.

Key policy features of our domiciliary care insurance

• Our promise of service - we have an in-house underwriter who can provide quick decisions
• Loss of registration consultant - access to a registration consultant. His role places great emphasis on prevention and early consultation is advised in order to avoid disputes either developing in the first place, or escalating to the extent that they pose a threat to your business
• Public/products liability: Limit of Indemnity £10 million and including theft by employee of service users property (£25,000)
• Employers' liability - £10 million
• Medical malpractice - £5 million
• Professional indemnity - £2 million
• Office contents including money and business interruption
• Theft of service users possessions

This is just an outline of the cover available. You can request further information including details of significant excesses, exclusions, limitations and conditions by contacting us.

Optional domiciliary care insurance cover

• Legal protection including the Legal and Stress Counselling helpline - the policy provides a 24-hour telephone legal helpline from Abbey Legal Protection. Unlike some other legal helplines, Abbey Legal Protection employ qualified solicitors to work on their helpline
• CybHR - on-line Human Resources Management system which provides a total solution for employment compliance
• Buildings
• Employee dishonesty
• Personal accident
• Directors and officers insurance
• Risk management

Policy documents

• Care home proposal (PDF 62kb)  
• Domiciliary care features (PDF 171b)

For more information on domiciliary care insurance please go to contact us.