Social Care


Expert underwriting for social care

DUAL Oliva provides flexible, package-based insurance solutions for the care sector. With over 30 year’s combined experience working within the social care space, we have the expertise to understand and respond to our insured’s complex and evolving needs.

Dedicated to serving brokers

Through specialist underwriting, bespoke policies, and quality service, we help you to win and retain your clients. We tailor coverage to your client’s needs while achieving a competitive quote. Working closely with a dedicated underwriter, you will be supported throughout the policy cycle with insightful advice about requirements, cover levels, and risk management. We strive to nurture thriving, long-term partnerships, pushing ourselves to achieve the best outcome possible for your client.

Your Social Care cover at a glance

Basic cover

  • Employers Liability

    Cover against injury to your employees

  • Malpractice & Professional Indemnity

    Care-specific cover against third-party negligence claims, with flexible limits of liability.

  • Public Liability

    Cover against third-party claims, with flexible limits of liability.

  • Asset & Revenue Protection

    Cover against insured events happening to the Assets or Revenue of the business, including any Increased Cost of Working. Cover can extend to include business interruption to your business if you are unable to operate due to named diseases.

  • Residents Personal Effects

    Care-specific property cover for residents and employees. 

  • Loss of Registration

    Protection for care facilities from the financial implications of losing their registration.

Optional cover

  • Legal Expenses

    Cover for legal disputes. Our legal expenses cover automatically includes access to the Markel Law Hub, one of the UK’s premier online employment and Health and Safety service.

  • Personal Accident

    Cover for third-party injury claims resulting from accidents on the premises.

  • Computer & Engineering Breakdown

    Cover to help care facilities resume operation following a breakdown or unforeseen damage to computers or machinery.


Care Homes

The DUAL Care Package offers specialist cover to protect care businesses across the sector against a variety of risks, including fire, flood, and accidents in the workplace.

Domiciliary Care

Our Domiciliary Care product covers businesses that provide care for clients in their homes. We offer a niche insurance product to help protect providers from the risks associated with domiciliary care, helping providers to grow.


Care Charity

DUAL can cover most charity-related activities within the care sector, including hospices and care in the community. The flexibility and specialist nature of the product enables us to tailor our solution to a wide range of situations.

About the team

Photo of James Ramira


James Ramira
Social Care Director

A+ rated capacity

All of our solutions are backed by A+ rated capacity.

Here to help

If you are a broker or other intermediary, please use this form for all general enquiries or call us on +44 (0)20 7337 9888. Please note that DUAL is not authorised to deal directly with customers so please direct any enquiries via your insurance broker.

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