Mercantile / Healthcare
Home Care Provider Insurance
Home care businesses providing personal care, domestic support or clinical services in clients’ homes.
Insurance for home care provider
Home care businesses providing personal care, domestic support or clinical services in clients’ homes. Mercantile Insurance Brokers helps review the business entity, practitioners, workforce, equipment and contractual insurance requirements.
What services should the insurer know about?
Describe personal care, assistance with daily activities, domestic support, transport and, where provided, nursing services. The policy should reflect the services you actually provide, including work performed away from the clinic or through contractors.
Key exposures to review
Client injury during transfers, medication-related allegations where relevant, damage at client premises, vehicle use and services performed by contractors.
Separate clinical nursing from non-clinical support. Describe client groups, manual handling, medication assistance, transport and any subcontracted services.
Which covers may be relevant?
| Cover | Issues to review |
|---|---|
| Professional indemnity / medical malpractice | Declared professional and care services, insured entities, employees, contractors, defence costs and exclusions. |
| Public and products liability | Third-party injury and property damage, premises, off-site work and the interaction with professional-services exclusions. |
| Property and business interruption | Fit-out, contents and equipment, replacement values and income interruption following insured damage. |
| Cyber | Patient information, incident response and interruption following an insured cyber event. Check limits, waiting periods and third-party system cover. |
| Management liability / D&O | Management and employment exposures, subject to the organisation’s structure and policy terms. |
| Workers compensation and motor | Applicable employment scheme requirements and vehicles used for business or client transport. |
Practitioner insurance and the business entity
An individual practitioner’s cover does not automatically insure every company, trust or other entity operating the business. Check the named insured, professional services, insured persons and vicarious liability provisions. Contractors may still need their own cover.
Information for an insurance review
- Legal entity names, locations and services provided.
- Turnover, wages, contractor and labour hire payments.
- Practitioner qualifications, staffing model and work performed by contractors.
- Equipment and fit-out replacement values and expected recovery time after a major loss.
- Client groups, contracts, current policies and renewal date.
- Claims and circumstances that may give rise to a claim.
Frequently asked questions
Does public liability cover all home care services?
No. Professional or care services exclusions can limit public liability cover. Review the care services definition and medical malpractice or professional indemnity cover alongside public liability.
What happens when services or contracts change?
Tell your broker before starting materially different activities or signing new insurance requirements. Cover may need adjustment and an insurer may need to accept the change.
Why do retroactive dates and notification matter?
Professional indemnity and medical malpractice are commonly claims-made policies. Review retroactive dates, known circumstances, notification conditions and any need for run-off before changing or cancelling cover.
Insurance review and adviser responsibilities
Insurers may ask about the services delivered, insured practitioners and existing data-handling arrangements. Mercantile provides insurance broking and advice on policy cover. Legal interpretation, contract drafting or negotiation, regulatory compliance, clinical decisions and operational controls should be addressed with your relevant advisers.
Related insurance guidance
Nursing agencies & home care insurance · Entity medical malpractice · All healthcare sectors
General information for Australian businesses. Cover is subject to policy terms, exclusions, limits and insurer acceptance. Prepared by Mercantile Insurance Brokers. Updated 30 September 2026.