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).

Dashes yellow supergraphic

Tailored insurance solutions

Flexible and comprehensive cover to suit your Domiciliary Care requirements

Curved lines yellow supergraphic

Service at the heart of what we do

Our expert broking and claims professionals help you every step of the way

Supergraphic yellow lines

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

Request your Domiciliary Care quote

Our specialist care advisors are available Monday – Friday, 9:00-17:30

Let's talk...

01172 051 850

We'll put you in touch with the person best equipped to help.

  • 1 Current Care home details
  • 2 Contact details
  • 3 Complete
Care Home Address
Claims in the last 5 years?

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!

Download our guide

Domiciliary Care QCS Image

More than just insurance, we can help your business thrive

Opening hours icon

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.

Phone icon

24 hour stress helpline

Giving your employees access to expert help to cope with the stress that sometimes comes with the job.

Experience is power icon

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.

Find out more

care partnership logos - AHR, OCULUS, BKR, QCS, HR Solutions

Meet the Team


Becky Newman
Divisional Director
Photo of 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 Rawsthorne
Associate Director
Photo of 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 Chambers
Account Executive
Photo of 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 Purdy
Account Executive
Photo of 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 Ly
New Business Account Handler
Photo of 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 Purdy
Senior Account Handler
Photo of 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 Shipman
Senior Account Handler
Photo of 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 Jabbar
Account Handler
Photo of 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 Morgan
Account Handler
Photo of 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 Phillipou
Account Handler
Photo of 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 Hudson
Business Development Assistant
Photo of 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.

Ask a specialist

We're here to help you

Let's talk...

0117 911 4802

We'll put you in touch with the person best equipped to help.

Got a question or query? Give us a few details in the box below and we'll get back to you.

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.