I do domiciliary care work but I do not take any clients shopping currently. Do I need business insurance or am I covered by my employer?
Dear M, Thank you for your question. If you are working for a provider who is regulated by CQC, Care Inspectorate in Wales OR Care Inspectorate Scotland, your employer will have insurance to cover you. All businesses in the UK are expected to have the appropriate insurances in place.
In the case of domiciliary care almost all providers will go to a specialist insurance company and will, I expect, be offered a policy covering:
-Employers’ Liability
-Public Liability
The policy offered may include:
-Medical Malpractice cover
-Professional Indemnity
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