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Care and Medical Insurance

Care and medical insurance articles

Domiciliary caregiver supporting an elderly woman

What Type of Insurance Do I Need for Domiciliary Care?

To best protect not just yourself, but also the wellbeing of your clients, you should be looking at insurance for your business.

Close-up view of a therapy or counseling session, showing a therapist with a notebook and a client sitting across

Everything You Need to Know About Bile Acid Malabsorption as an Employer

Examine bile acid malabsorption and how you, as an employer, can support your employees who are suffering from it

Therapist taking notes while a male patient lies on a couch during a counseling or therapy session

What Insurance Should a Massage Therapist Have?

Essential insurance protects massage therapists from client injuries, accidents, and potential legal risks

Smiling elderly woman in a wheelchair talking with a caregiver outdoors.

Cyber criminals don’t care that you’re a care home

Cutting insurance costs amid the living crisis may risk care homes' financial stability.

Man practicing yoga in tree pose on a mat in a bright, plant-filled balcony space

What Insurance Do I Need to Teach Pilates?

Insurance is vital for Pilates instructors to protect against risks from physical interaction, ensuring client safety and professional peace of mind.

A female caregiver helping an elderly man rise from a wheelchair in a bright, comfortable room, demonstrating support and compassion in a caregiving environment

Unfortunately, liability awards are rising with inflation, too

The demand for elderly care services grows

 A nurse in uniform compassionately holding the hands of an elderly patient, offering support and comfort in a home or healthcare setting.

Demystifying Insurance

Insurance can seem complex, but at its heart, it’s about safeguarding the people, possessions, and peace of mind that matter to you

A woman in a red shirt works from home, speaking on the phone while using a laptop, with a coffee cup and open binder on the table

What Qualifications Do You Need to Be a Beautician?

Becoming a beautician requires a blend of formal training, practical skills, and a passion for helping clients look and feel their best

Smiling young woman holding car keys while standing next to a car on a sunny day

Domiciliary Care Staff Driving for Work: Employer Responsibilities

Discover key employer responsibilities when domiciliary care staff drive for work, including vehicle safety, driver training, insurance requirements, and compliance with road safety regulations to protect staff and service users

Guide to care home insurance illustrated by a caring senior setting with supportive staff and a reassuring professional tone

A Guide to Care Home Insurance

Understand why care homes need specialized insurance, the core covers required by law and regulation, and how to tailor additional protections to your services, staff, residents, and property

 assisting with a laptop during a collaborative activity

Cyber Risks in Care

Understanding and managing cyber risks is essential in the care sector, where sensitive personal data is regularly handled

Nurse holding an elderly patient’s hands, offering comfort during a home care visit

Why You Should Not Cancel Your Care Professional Liability Insurance

Protects your career, savings, and license from unexpected claims—on or off duty. Affordable peace of mind that shields against legal costs, settlements, and reputation risks

 Group of smiling seniors sharing afternoon tea and cakes in a bright living room, sitting around a coffee table and chatting together

Setting Up a Domiciliary Care Agency

Register with the CQC, define regulated activities, and prepare evidence to meet quality and safety standards for approval. Recruit vetted staff with Enhanced DBS checks and put compliant policies, governance, and insurance in place before delivering personal care

 Abstract screen of code highlighting cyber attack alerts, data breaches, malware, ransomware, and system safety compromised warnings

Mitigate the Cyber Risks for Care Businesses Using Cloud Based Services

Adopt cloud with security by design: enforce MFA and role-based access, encrypt data in transit and at rest, and maintain audited backups with tested recovery plans

A woman with curly hair in a navy blue shirt sits at a desk, engaged in a serious conversation with a man facing her.

Legal Advice Hub for Care and Medical Businesses

Find out about the Markel Law Hub, a legal information portal to give up-to-date legal information and a wide range of legal precedents for businesses.

Elderly man riding a red mobility scooter along a sunny park path, smiling and enjoying an outdoor stroll

Using Your Personal Vehicle as a Home Carer

Obtain Class 1 business-use insurance, keep MOT/tax and safety checks current, get client consent, and log mileage for HMRC-compliant reimbursement

Woman in a white karate gi with a brown belt practicing a defensive stance in a dojo, focused and balanced

Planning a Martial Arts Tournament

Plan venues, rules, and insurance; secure referees and medical cover; schedule brackets, safeguarding, and waivers; coordinate volunteers, scoring, and contingency plans for a safe, smooth tournament

Caregiver pushing an elderly person in a wheelchair along a garden path, surrounded by blooming flowers during a peaceful outdoor stroll

Income Protection for Care and Medical Businesses

Safeguard income if illness or injury stops work, covering personal earnings, fixed business costs , and rehabilitation support to maintain continuity

Close-up of a hand holding a blue pen, positioned to write on a blank white sheet of paper on a wooden surface

Care Liability Claims on the Rise. Why Should You Care?

Liability claims have the potential to cause your business real harm.While the immediate financial cost is likely to be covered by insurance, there are other consequences including the paperwork, time involved and subsequent premium increases

Smiling volunteer coordinator holding a clipboard and talking with a small team in light blue volunteer shirts during an outdoor meetup

Safety for Care Home and Hospice Gardens

Guidance on keeping care home and hospice gardens safe, accessible, and enjoyable for residents and visitors

Caring woman in a wheelchair chatting warmly with a smiling boy in a wheelchair in a bright room, offering support and encouragement

Top Tips for Renewing your Care Business Insurance

Key advice to help care businesses prepare for a smooth and effective insurance renewal process

 Business professionals working on laptops with futuristic holographic analytics, world map, and data charts overlaying a modern office scene

AI in Social Care

Ethical use of AI to personalise support, predict risks earlier, automate admin, and improve resource planning while keeping human oversight, data privacy, and fairness central.

Two professionally dressed colleagues walking and chatting in a bright modern office corridor, smiling and engaged in conversation

How Health and Wellbeing Support can Boost Employee Retention

Evidence shows comprehensive health and wellbeing support—such as strong healthcare benefits, mental health access, safety and occupational health practices, and flexible work—raises job satisfaction and loyalty, reducing turnover and improving retention

Close-up of a clinician writing on a clipboard during a consultation, with a patient’s clasped hands visible across the desk.

Changes to the CQC Regulatory Framework: What We Know So Far

CQC is moving to a single, continuous assessment using ongoing evidence, 34 quality statements, and faster, clearer ratings focused on safety, experience, and quality of care.

Close-up of an adult comforting a child holding a teddy bear while reviewing paperwork, with a gentle hand on the child’s shoulder

Benefits of the Mobii Interactive Sensory Activity Board

A portable, motion-activated sensory system that boosts engagement through interactive visuals and games.

Businesswoman giving a presentation to colleagues in a modern glass-walled conference room during a team meeting.

The Benefits of Our Employee Assistance Programme (EAP)

Everywhen's market‑leading Employee Assistance Programme, included with Locum insurance, supports employee wellbeing and absence reduction through 24/7 helpline access, counselling, legal advice, a wellbeing portal, and the My Healthy Advantage app.

Taking Care of Yourself and Your Staff

Explore practical tips and resources to support both your own wellbeing and that of your team, fostering a healthy, productive workplace.

Escape of Water

Understand the causes, prevention, and insurance considerations for water damage in your property.

Guide to care home insurance illustrated by a caring senior setting with supportive staff and a reassuring professional tone

How to Prepare for Renewal

Guidance on reviewing your current insurance cover, identifying changes in your needs, and ensuring a smooth and cost-effective renewal process.

Female team leader presenting ideas to a diverse group during an office meeting, pointing at documents on the table

A Guide to Key Person Cover

Key person cover is a business-owned insurance policy that pays out if a crucial individual dies or becomes disabled, helping the company manage financial losses and find a replacement.

Student in striped shirt holding a stack of books on a desk against a pink background

Income Generation for Schools: Bidding for Grants

Securing grants can provide schools with valuable funding for projects, resources, and improvements. Understanding the application process, preparing strong proposals, and aligning bids with funding priorities can increase the chances of success.

Female physician with stethoscope explains a prescription bottle to a patient during an office consultation

State-Backed Medical Indemnity Scheme: What Does It Mean for Your GPs?

The state‑backed scheme covers NHS clinical negligence but not private work, GMC proceedings, complaints, criminal or coroner cases, disciplinaries, or Good Samaritan acts, and offers no run‑off cover

Senior executive and colleague reviewing a tablet in a bright office corridor, with coworkers talking in the background

A Brief Guide to Insurance for Local Authorities

Local authority contracts demand strict, varying insurance standards. This guide explains typical requirements, how to evidence compliance, common gaps for home care providers, and when to consult a broker to meet each council’s specifications.

Carer supporting an elderly woman in a wheelchair as they enjoy roses together in a garden

How often should risk assessments be carried out?

Conduct them before new activities, during high staff turnover, when introducing new equipment or procedures, and as required by insurers—reviewing fire safety especially frequently in care settings

Mixed family sitting on a harbour wall in a coastal village, sharing lunch and chatting together

Continuous Provision for Outdoor Play

Provide daily outdoor access that builds distinct outdoor skills—plan around each child’s needs and goals, link with indoor learning, structure enticing, development-led activities, and always risk‑assess, document, and inform insurers about new equipment or activities.

Care worker supporting an elderly man with a cane as they walk down a bright corridor

Underinsurance: catch this dormant disaster before it erupts

Underinsurance is a silent threat—if sums are undervalued, average clauses slash payouts, so revalue and update cover now to prevent costly shortfalls.

A young girl is gently stroking the forehead of a small brown-and-white horse.

Guide to Horse Care

For hundreds of years a basic knowledge of horse care was vital to many people who used horses for transport and business.