Insurance for Domiciliary Care Providers
Public liability, malpractice, and CQC compliance cover.
Running a domiciliary care business means taking care of some of the most vulnerable people in society — often in complex and sensitive environments. Whether you’re providing personal care, medical support, or daily assistance, your business needs insurance that understands the regulatory landscape, the human risk, and the real-world pressures you face.
At Qudos Insurance, we specialise in insurance for CQC-registered and independent home care providers. We’ll guide you to the right protection — so you can focus on providing care, not dealing with claims.
What Is Domiciliary Care Insurance?
Domiciliary care insurance is a tailored package of covers designed for businesses providing care and support to people in their own homes. It protects your staff, service users, and organisation from legal claims, accidents, allegations, and unexpected setbacks — while meeting Care Quality Commission (CQC) requirements.
What Does It Cover?
We build flexible policies around your needs, but core elements often include:
- Public Liability Insurance – Covers injury or property damage caused by carers during visits
- Employers’ Liability Insurance – Legally required if you employ care staff or support workers
- Medical Malpractice Insurance – Protects against claims related to medication errors, care delivery, or negligence
- Professional Indemnity Insurance – Covers assessments, planning, and advice that goes wrong
- Abuse Cover – Vital for any organisation working with vulnerable adults
- Legal Expenses Insurance – Employment tribunals, regulatory investigations, or contract disputes
- Office, Equipment & Fleet Insurance – If you have premises, vehicles, or tech systems
Optional extras:
- Cyber Insurance – For client record breaches or ransomware attacks
- Business Interruption – If your service is disrupted due to property or staffing issues
- Directors & Officers (D&O) – Protection for company leadership and decisions
Who Needs This Insurance?
- CQC-registered domiciliary care providers
- Community Interest Companies (CICs) providing outreach or home support
- Live-in care and palliative care providers
- Private and public-funded care agencies
- Start-up care companies or experienced providers expanding services
Why It’s So Important
Domiciliary care is one of the most heavily regulated and litigation-prone sectors in the UK. The wrong policy — or a standard “care” package not built for home visits — could leave you exposed to:
- Safeguarding claims
- Medication errors
- Client injuries
- CQC compliance breaches
We help you get it right the first time.
Why Choose Us?
We don’t just sell policies — we partner with you to protect your business, staff, and service users. Our brokers are experienced in:
- CQC and registration compliance
- Tender support for NHS/local authority contracts
- Managing sensitive claims and investigations
- Supporting fast-growing care providers with scalable cover
Real care sector expertise
Flexible cover built for your services
Trusted by care providers across the UK
Get Protected Today
Whether you’re a start-up looking for your first CQC registration or an established agency reviewing your current cover — let’s talk.
Speak to our care sector specialists today for a no-obligation review or quote.