Ask Sheila England

Sheila will try to answer as many of your English Social Care questions as possible, giving priority to frequently asked questions and questions regarding current events and trends.

14th July 2020

What insurance is required as a Registered Manager?

I am a registered nurse with indemnity insurance with the RCN. I have recently become a registered CQC manager for a Domiciliary Care business. I am concerned that my insurance is not adequate for the risk associated with this role. What insurance should I have?

Thank you for your email. In terms of your RCN Indemnity Insurance, unfortunately, it does not cover nurses who have an employment contract. I discussed your question with Howdens The QCS Insurance partner and this is what they said,  ‘The Domiciliary Care operation for whom you carry out the managerial role would be required by the CQC to carry adequate insurance to protect the business, service users and employees  As a minimum they should carry Public Liability, Employers Liability, Medical Malpractice and Professional Indemnity and as the manager of the operation, the role you carry out would fall under the protection afforded by that policy.’ I would suggest you talk to the Nominated Individual about your concerns and the level of insurance your organisation has.  I hope this helps.


*All information is correct at the time of publishing.


What would you like to ask Sheila?

Sheila Scott OBE from National Care Association (NCA). Care is Sheila’s life; she possesses a strong command of the issues facing the care sector informed by her long career as a nursing professional, the owner and manager of a care business and as a leader in the care sector.

Sheila will try to answer as many of your questions as possible, giving priority to frequently asked questions and questions regarding current events and trends.

Please note that Sheila can not offer answers to matters requiring legal advice. If your matter concerns a specific service provider, please contact the CQC.








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