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Insurance for Domiciliary Care
What we can do for you
Bringing you a dedicated team of care insurance specialists who have supported domiciliary care businesses for over 20 years. From individual privately owned businesses to franchise groups, we can create a tailored insurance solution to suit you. Howden is the official insurance broker to the Registered Care Providers Association (RCPA).
Tailored insurance solutions
Flexible and comprehensive cover to suit your Domiciliary Care requirements
Service at the heart of what we do
Our expert broking and claims professionals help you every step of the way
Industry experts delivering more than just insurance
We work closely with organisations across the Domiciliary Care sector to understand and find solutions for the issues that are important to you
Buying insurance for your start up Domiciliary Care operation
Setting up a Care operation can be overwhelming, but buying your domiciliary care insurance doesn’t have to be difficult. Follow our simple guidance and get in touch with our expert care team to start the process!
More than just insurance, we can help your business thrive
24 hour legal support
Access to a care-specific legal helpline, providing advice on care regulation and employee related issues as well as general business legal advice.
24 hour stress helpline
Giving your employees access to expert help to cope with the stress that sometimes comes with the job.
Risk management support
We provide advice and guidance on managing risks specific to the care sector throughout the year
Exclusive discounts from care specialist businesses
We have partnered with a number of specialist care sector service providers to offer Howden clients discounted services that help support you and your business.
News and Insights
Meet the Team
Becky
Becky Newman
Becky Newman
Divisional Director, Health & Care
Becky has 25 years’ experience in commercial insurance, starting with claims and underwriting followed by nearly 20 years in broking. Becky’s first passion has always been to look after clients’ interest, providing robust advice and continually working to ensure broking solutions are available through good insurer relationships. As well as managing her happy team, Becky also enjoys road running and running around after her children.
Charlotte
Charlotte Rawsthorne
Charlotte Rawsthorne
Associate Director, Health & Care
Charlotte has 30 years' experience in commercial insurance, starting with 15 years in Underwriting followed by another 15 years working on the Broking side. For the last 7 years, Charlotte has specialised in large corporate care risks, working with a diverse range of care operators, from groups of elderly care homes to specialist mental health hospitals and anything in between. She is passionate about keeping clients at the heart of her work, and prides herself on delivering a quality service by really understanding the needs of her clients and keeping on top of what is happening in the industry. In her spare time, Charlotte focusses on her farmhouse rennovation project, spending time with her ever-growing family and going for long walks and pub lunches.
James
James Chambers
James Chambers
Account Executive, Health & Care
James has over seven years’ broking experience within the care sector, assisting a range of care businesses from single care homes to national associations. He is passionate about working with and assisting organisations within the care sector, providing insurance advice and negotiating potential premium reductions for them. In his spare time, James loves to support his favourite teams Exeter City FC and Exeter Chiefs, as well as playing sports himself, practicing mindfulness and cooking.
Joe
Joe Purdy
Joe Purdy
Account Executive, Health & Care
Joe has worked in the Howden Care team for four years, with a background in Property Owners and Commercial Insurance. He enjoys working as part of a friendly and professional team, that work tirelessly to help clients navigate an ever changing insurance landscape. In his free time, Joe enjoys building his record collection.
Tina
Tina Ly
Tina Ly
New Business Account Handler, Health & Care
Tina has worked in the insurance industry for 2 years, starting out in claims handling and recently moving over to new business. Tina specialises in the Social Care sector. From small domiciliary care companies to large care homes, she works with them to provide guidance primarily on Commercial Combined Insurance packages. In her spare time, Tina is a keen cyclist and tennis player, she also designs and makes clothes for family members.
Harriet
Harriet Purdy
Harriet Purdy
Senior Account Handler, Health & Care
Harriet has worked in insurance for seven years, starting off in general commercial insurance for five years and moving to the Howden Care team two years ago, and has gained her CII diploma in insurance. Harriet enjoys the detail of the job, including solving technical policy queries for her clients. She is also part of the Respect committee, helping to support a diverse, inclusive and respectful culture in the workplace, and leads on charity and fundraising initiatives for the Bristol office. In her spare time, Harriet enjoys rock climbing.
Patricia
Patricia Shipman
Patricia Shipman
Senior Account Handler, Health & Care
Pat has over 30 years’ experience in commercial insurance, starting with underwriting followed by 24 years in broking. Pat’s first passion has always been to look after clients’ interest and continually working to ensure broking solutions are available through good insurer relationships. In her spare time Pat and her husband are building their house and living on their land in a cabin, fitting in landscaping at the same time. When time permits she enjoys walking, travelling abroad and meeting friends and family.
Al
Al Jabbar
Al Jabbar
Account Handler, Health & Care
Al has over nine years’ experience in Commercial Insurance, and has worked for some of the largest insurers in the UK before joining the Howden Care team. His favourite part of the role is talking to the care teams hard working service providers to negotiate the best deals for clients. Al loves watching sports, particularly Football, Rugby, Cricket and Boxing.
Connor
Connor Morgan
Connor Morgan
Account Handler, Health & Care
Connor has worked in the insurance industry for the past 5 years', starting out as a Broker in Commercial Construction and Property before moving over to the Health & Care sector. Since joining the Howden Health & Care team in 2021, Connor has been helping those in the Care sector obtain competitive and quality insurance cover, and specifically enjoys providing advice and building relationships with clients. Outside of work, Connor is a keen NFL fan and supporter of the New York Giants. He also enjoys travelling and watching live music.
Kira
Kira Phillipou
Kira Phillipou
Account Handler, Health & Care
Kira has worked in the insurance industry since finishing her education. Starting in Personal Lines and Property insurance broking, she has since moved to working in the Howden Care team. Kira enjoys building strong relationships with all of her clients, and acting as their trusted advisors. In her spare time, Kira enjoys spending time with friends and family.
Heidi
Heidi Hudson
Heidi Hudson
Business Development Assistant, Health & Care
Heidi has worked in the insurance industry for over 30 years', having had the opportunity to work both for the corporate insurance market in London and internationally in Mexico and the USA. Recently, Heidi has worked in the Corporate Care sector affinity space, looking after care organisations and partnerships across the UK. Heidi enjoys generating new business opportunities for the Corporate team and establishing solid relationships with potential corporate clients in the care sector using her skills and knowledge. Outside of work, Heidi is a foster carer and enjoys spending time with her foster daughter when she is not working.
Frequently asked questions
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.