Dave Beard

Expertly compared by Dave Beard

Products Updated May 1, 2018

Business Insurance For Homecare Agencies

If you manage or own a domicilary homecare business then you’ll need adequate business insurance to protect you from the risks associated with the work you and the care you provide to the Service Users. Our experts can help set up and arrange a policy that covers your business for every eventuality.

Our insurance experts can compare the market to find you the best deal on business insurance. Get a free quote and advice today:

3 providers expertly compared:

Simply Business

Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.

  • TRUST
  • VALUE
  • EXPERTISE & KNOWLEDGE
  • CUSTOMER SERVICE

Learn more about how we review and assess the providers here on Lending Expert.

Provider
Business Insurance

Products
Professional Indemnity, Public & Employers Liability Cover

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
UK Small business cover

Rated 4.8/ 5

All credit types

Simply Business is a broker that provides a wide range of business insurance cover. They specialise in small businesses and can advise, compare and arrange the right insurance products to ensure you are not only protected by get the best deal on the market.

3 providers expertly compared:

AXA

Provider
AXA Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.7/ 5

All credit types

AXA business insurance can cover you and your business for every eventuality. Apply online today and save an extra 10% on your quote instantly.

3 providers expertly compared:

Hiscox

Provider
Hiscox Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.8/ 5

All credit types

Hiscox commercial business insurance provides a professional level of cover to protect every aspect of your business, from the premises to the people who work for you, and any legal matters that may arise from your day-to-day operations.

Read our customer and visitor reviews for this product:

Rating: 5 / 5 with 1 votes

Recieved quotes as promised.

by Clear Eye Wear Limited

Happy with the process and quotes. Simple to use and back up with a phone call. No pressure to buy, which was reassuring.

FAQ

Business Insurance For Domicilary Care Agencies

Business Insurance For Domicilary Care Agencies

As a homecare/domicilary care provider you have a duty to your patients to care for them and support them as agreed in your contract.

For those who require homecare, it requires you to be considerate and understanding as you aim to make them comfortable through washing them, cleaning for them, giving them medication and preparing food as well as many other tasks. However, it is possible for mistakes to happen and this can have severe consequences for your patients but also your business. If you act negligently, offer incorrect advice or cause injury then you are at risk of having a claim made against you in order to recover any losses or to receive compensation for injury. Claims such as these can prove costly and without the correct insurance could cause financial difficulties for your business. Therefore, business insurance is critical to the future of your business.

Business insurance forms an important part of your every day running because it offers you the right protection. If you do not have this insurance in place then your business is at risk of claims being made against it. These claims can cost a lot of money to defend and settle so ensuring that you are protected should be one of your main priorities.

Caring for individuals in their own home requires you to work professionally and in the correct way. Patients rely on you because of your skills and experience so it is important that you work professionally so that you meet all of their needs.

Professional indemnity insurance can provide you with the protection you need should a claim be made against you. These claims can be associated with incorrect advice, negligence or causing injury and they can happen very easily. Taking care of medication for your clients requires you to follow the correct instructions but a lack of concentration could result in you giving the patient an overdoes which could result in them requiring hospital treatment. You could even fail to turn up to a regular appointment which means your patient does not get fed or washed. All of these instances would give your client the right to submit a claim in order to recover financial losses or even compensation. Professional indemnity insurance will cover all costs ensuring the financial security of you business.

Taking care of patients, moving them and working around their home also puts you at risk. Public liability insurance will protect your from any injury you may cause to your patient or damage you cause to their home. You could drop a patient while trying to move them which could result in broken bones or you could even cause damage to their home while cooking food. If this occurs, then your patient will seek compensation in order to cover the cost of any financial loss or injury.

These are the features that come with business insurance:

  • All claims are included in the cover even if they are unsuccessful
  • Full evaluation of claims prior to payment being released
  • Your business will have extensive protection from all claims
  • Defence costs and compensation costs are included in the cover
  • Business needs are measured in order to choose the right insurance
  • Costs associated with court appearances are included
  • Payment plans with flexibility are available for all budgets

What Are the Benefits?

The following benefits will be experienced as a result of this cover:

  • Meet all legal and regulatory requirements
  • Spend more time on your business needs
  • Financial protection
  • Advice and professional representation is available if you need it
  • Will give you peace of mind and confidence in the decisions you make

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