Industry
Home & Personal Services
A carer injured at a client's home, a child hurt while in the care of a childcare facility, an employee on sick leave disrupting the schedules: in home and personal services, the business relies on large teams working directly in people's homes or in contact with families.
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The coverage most relevant to your business.
Professional Liability
A child injured while being looked after, home care carried out poorly: Professional Liability covers the financial consequences of an error committed in the course of your activity, towards your beneficiaries as well as third parties.
Group Health Insurance
A large, often modestly paid team of carers values good group health cover, a real lever for recruiting and retaining in a tight labour market.
Group Provident Insurance
A long sick leave for an employee who works alone at families' homes quickly disrupts the schedules. Group income protection secures the employee's income and lightens the employer's burden.
Property Damage (BOP)
Your premises, your nursery or your agency, and the equipment stored there remain exposed to everyday losses (fire, water damage). Commercial property insurance protects those assets and your ability to reopen quickly.
Auto
Your carers travel to families' homes, sometimes with a single service vehicle. Commercial motor insurance is mandatory from the first vehicle used for the business.
Who this is for
How it works
Questionnaire
Answer a few questions about your business and its activity. It takes five to ten minutes.
File review
Our team reviews your situation and sends you a proposal within 24 business hours.
Setup
You receive your certificate and contracts, ready to present to your clients or partners.
Frequently asked questions
Does Professional Liability cover accidents that happen at the beneficiary's home?
Yes, that's precisely the central issue for this sector: the activity takes place at the client's home, not on your premises, and Professional Liability covers the consequences of an error by your carer during the service, on site.
Does a single service vehicle require commercial motor insurance?
Yes, as soon as a vehicle is used for the business, even a single one and even occasionally, dedicated commercial motor insurance is required; a personal policy isn't enough.
Why group income protection rather than individual cover in this sector?
With large teams and often high turnover, a group policy pools the risk and generally costs less per employee than individual cover, while simplifying administration.