We provide specialist insurance solutions for domiciliary care and supported living providers, supporting organisations that deliver care within service users’ homes and community-based settings.  These environments present a unique risk profile, requiring insurance that is carefully structured around safeguarding, staffing challenges, regulatory oversight and Local Authority / ICB tender requirements.

 

With extensive experience in the care sector, we work with providers ranging from small owner-managed organisations to multi-site and commissioner-led contracts (both Local Authority and ICB).  Our approach focuses on understanding how care is delivered in practice — including workforce models, supervision arrangements, and service user needs, before arranging cover that is appropriate, compliant, and fit for purpose.

​

In this sector, claims can be particularly stressful and often involve multiple parties including regulators.  In the event of a claim, we will be with you at every step, with our team being supported by in-house consultants with real care sector experience that are also on hand to offer you advice and support throughout the process, all as part of your insurance placement with Oakmere Grosvenor.

 

Domiciliary and supported living services operate under significant regulatory scrutiny, often alongside Local Authority commissioning requirements. We place insurance with insurers who understand these exposures, ensuring policies respond effectively to safeguarding allegations, professional negligence claims, staff incidents, and regulatory intervention.

 

A tailored Domiciliary Care & Supported Living Insurance programme can include:

 

• Employers’ Liability

• Public & Products Liability

• Professional Indemnity

• Building & Contents

• Medical Malpractice

• Abuse & Molestation

• Treatment Risk / Malpractice

• Group Personal Accident

• Money & Fidelity

• Business Interruption

• Directors’ & Officers’ Liability

• Legal Expenses