Insurance for Domiciliary Care

A specialist broker has knowledge of your specific industry, meaning they can provide you with invaluable advice in relation to the specific covers you require.  Howden work with a number of insurers and keep abreast of market conditions to ensure we are able to advise you on options available across the insurance market.

Local authorities can often ask you to uplift your Public Liability limit from £5,000,000 to £10,000,000. Howden can arrange this along with uplifted limits for Medical Malpractice and Professional Indemnity where required.

Legal Expenses insurance, which is offered to all clients, will provide you with legal support and indemnity in relation to a multitude of issues faced by your operation.  This includes a free helpline and online portal with hundreds of templates and guides to support your business.  

Our claims department offer specialist Social Care advice on how to proceed after an incident takes place and will guide you through it step by step.  Call our claims department on 020 7623 3806.

Howden are able to offer instalments over 10 months subject to a small interest charge and credit acceptance.  Multiple policies can be placed under one agreement for ease. Speak to the care team for more information.

Howden always look to provide you with the widest cover available and activities commonly carried out by a domiciliary care operator should be covered under a standard policy. Speak to your account handler for advice on what activities are covered.

The majority of liability claims made under social care policies are as a result of slips, trips and falls.  Howden work with a number of trusted care partners and specialist service providers who can provide you with Health and Safety consultancy and policy and procedure management. Find out more.

Yes - it is important you call or email your account handler with the details of the new office location so they can ensure cover is arranged and relevant questions are answered, before you move.

Insurers only issue certificate of Employers Liability.  To demonstrate you hold adequate Public Liability insurance, you can refer to your policy schedule or ask our account handler for a ‘Confirmation of Liability cover’ letter.

Insurers often take your latest and historic regulatory rating outcomes as a factor in deciding whether they are willing to provide terms.  Howden work with insurers who can offer terms regardless of your rating in most cases. It is important to engage with your broker well in advance of renewal if this is a concern.