Domiciliary Care Insurance

SME Insurance

Domiciliary Care Insurance

If you are a self-employed carer, or you run a home care business, you are in a position of trust and responsibility, meaning you need insurance which can protect you should something go wrong.

Erskine Murray work with a wide range of business insurance providers to offer tailor made insurance solutions for carers and care businesses to protect you in the face of allegations or claims which could become financially problematic.

There are lots of different types of care business  that our policies may help with from self-employed and private carers, through to larger agencies.  Whether you provide personal, nursing or night care, household and gardening duties or carer respite services, we can help you to build out a tailored insurance package to suit your needs and the risks you face each day.

Insurance for Carers

Seeing as caring roles can include a wide range of responsibilities and tasks, there are lots of different business insurance products which may be appropriate for your care business.  Some of the most popular insurance policies for carers include:

  • Public liability insurance: this provides cover to protect your business against personal injury or property damage claims from members of the Employers Liability Insurance: a legal requirement for businesses which employ staff, helping to pay compensation if an employee is injured or becomes ill because of the work they do for you.
  • Business equipment insurance: this covers the cost to replace or repair business equipment if it is lost, stolen or damaged
  • Business interruption insurance: providing cover for loss of profits/ revenue incurred when a material damage loss occurs.

Why Choose Erskine Murray

Erskine Murray are a leading business insurance broker working with a huge range of insurance partners, providing tailor made insurance solutions for a wide range of business clients. Our knowledge of the care industry allows us to fully understand the risks associated with running this type of business, so we can help you to put together a useful and valuable package of insurance products into one easy package.

This allows you to cover your care business thoroughly with a packaged policy that is tailored to your demands and needs and covers your various liabilities.

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SME Insurance by Sector


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Directors’ and Officers’

Often referred to ad 'D&O', this policy is designed to defend individuals against damaging claims.

Shops and Offices

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector.  

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.

Residential Property Owners

For property owners, landlords and associations, we deliver a policy that covers all related risks.


One policy for fleets of all sizes. Our online platform compares insurers within minutes, so you know you have the right cover.

Professional Indemnity

Often referred to as 'PI', a profession-based risk management package.


Our package covers every single trade. Simple, effective and delivered by the same or following working day.

Motor Trade

For dealerships, mechanics, valeters, bodyshops and everything in-between, we've got you covered.


Including buildings, contents, liability, unoccupied and rental protection.

Golf Course

Golf courses possess specific risks which specialised golf course insurance can help protect you against.


Whether you are a small independent bakery, or a larger chain, it is vital you consider your level of business insurance.

IT Contractors

From basic repairs and builds through to emergency cover, your clients call on you for your expert knowledge and skill.

Coffee Shop

There are many risks associated with not only running a successful business, but in serving hot drinks and food to the public.


Professional indemnity insurance is an important policy, as you are offering professional services to other people & businesses.


Your clients call on you for your expertise, knowledge and skill, whether you are a quantity or land surveyor.

Business Interruption Insurance

Business Interruption insurance, also known as BI, is a much-misunderstood cover which can often be overlooked by small business owners.

Wholesalers Insurance

Erskine Murray can help wholesalers to find the appropriate insurance to manage the risks to your industry and provide the right protection for your business needs.

Tech Start Up Insurance

Here at Erskine Murray, we make it easier for you to cover and protect your business with several appropriate policies packaged together.

Media Professionals Insurance

The media and marketing industries can be vulnerable to claims of negligence for what are in fact basic errors.

High Net Worth Insurance

High net worth insurance is ideal for people with high profile occupations such as sports people, actors, singers and other people in the public eye.

Graphic Designer Insurance

As the risks can be fairly wide ranging, there are lots of appropriate insurance policies which can be useful for graphic designers.

Civil Engineering Insurance

At Erskine Murray we understand the many risks associated with those involved with working at height, extreme depth and working with asbestos.

Business Owners Policy Insurance

An enhanced business insurance policy which combines property insurance alongside general liability insurance.

Contractors All Risk Insurance

Whilst all construction sites are different, there are still common risks and threats shared by them all.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.