Domiciliary Care / Home Care Providers

Specialist insurance for domiciliary care providers

Our Care division (which includes PrimeCare and Care Home Insurance Service, CHIS) has over 20 years’ of experience and expertise in providing insurance solutions for care providers in the UK.

All our products and services are designed around the particular needs of care providers. We work together with you to understand your businesses risks and design an insurance solution that aims to provide the right cover for your business.  From the simple things, such as protecting a company mini-bus, to the more complex, such as safeguarding an attack on the business registration.

We aim to provide real value to our clients, who are continually squeezed on cost. Having recently combined our care and medical practices, and being part of the world’s largest majority employee owned insurance intermediary, we now have even more negotiating power with insurers and are able to secure more competitive terms.

Our policies are sourced from a panel of reputable insurers all authorised and regulated by the Financial Conduct Authority (FCA). Additionally, our covers will also meet the requirements as set out by the appropriate regulator (CQC in England, CSSIW in Wales, SCSWIS in Scotland and RQIA in Northern Ireland) and the appropriate Local Authority.

Howden is the preferred insurance partner to the National Care Association (NCA), Registered Nursing Home Association (RNHA), East Sussex Brighton & Hove Residential Care Home Association (ESB&H RCHA), West Sussex Forum (WSF), as well as others.

Our specialist covers include:

  • Buildings
  • Contents
  • Business Interruption (including ICOW)
  • Employers Practices Liability
  • Public Liability
  • Medical Malpractice
  • Abuse cover
  • Professional Indemnity
  • Legal Expenses
  • Directors’ & Officers’ Liability
  • Personal Accident
  • Loss of Registration
  • Engineering Breakdown
  • Motor Insurance
  • Terrorism
  • Franchisor Liability

Adding value to your business
To maximise the value of each insurance programme we include additional HR and legal services. You will have access to; a 24 hour care specific legal helpline which will provide advice on care regulation and employee related issues as well as general business legal advice; cover in the event of an employment tribunal; an online, care specific HR document service to ensure all documents are up to date; a 24 hour stress helpline giving your employees access to expert help to cope with stress.

It was a pleasure to deal with the staff at Howden. The team are not only pleasant, helpful and courteous, they go the ‘extra mile’ in terms of the service they provide.

Operations Director, ANEW young people services

Key Contacts

Joe Purdy

Joe Purdy

Care & Medical +44 (0)1273 645 929 Email


The real moment of truth comes if and when you need to make a claim. Enquiries will be managed efficiently by our experienced team and all settlements paid quickly and precisely. Our risk and claims teams work together proactively to help you manage your business’ exposure to risk; we will monitor and respond to claims trends in order to identify training needs, give practical advice and ultimately manage premiums.