In today’s society, more and more people are being cared for in their own homes. When providing care and support for the elderly, disabled or vulnerable, domiciliary care can help improve the quality of a person’s life.
As such, those who provide domiciliary care need to be fully insured. Domiciliary care insurance protects all aspects of domiciliary care. This can include staff who work for a care establishment or provide direct care for people in a residential home or private home.
Our dedicated domiciliary care insurance team specialise in arranging insurance for organisations caring for all types of individuals. We’re well equipped to assist with all your enquiries and we understand the need to tailor your policy to meet your individual needs.
For most domiciliary care providers however, it is quite common to take out an all-inclusive policy. All-inclusive policies cover the staff members with what is known as professional indemnity, for example, instances involving allegations of abuse from patients. Depending on your requirements your policy can also cover vehicles that are used by the care establishment for transporting patients. Medical equipment rented or owned by the owners is also protected.
Insurance Policies for Domiciliary Care
Staff providing care in the homes of domiciliary patients can also be covered for damage caused to patients’ personal belongings in the home. The insurance policy also protects the patients receiving the care. Unfortunately, accidents can and will happen with people who are seriously ill or disabled, which is why it is so important to have the right insurance, not just as a legal requirement but for valuable peace of mind.
The policy can also cover a range of building requirements. With an increase in care homes in recent years, building requirements have become extensive and non-exhaustive and it is important to seek the right advice when looking at purchasing a policy. Metered water, which is usual in a building operating as a business, is covered for loss in a domiciliary care insurance policy. This is due to the nature of the business and the need for water in the care services provided.
We understand that your primary concern is the smooth and effective running of your organisation, as it should be. That’s why we work to make sure there are no complications and that your insurance is dealt with as quickly as possible. We’re happy to explain the policy in as much detail as you wish to ensure you have both the right nature and level of cover.