Care Home Insurance

Single Site Care Home Insurance Brokers

As the UK’s largest insurance provider for the care sector with over 15 years of experience, we specialise in bespoke insurance solutions for care homes, including nursing homes, hospices, dementia care home and homes for adults with learning disabilities or mental health issues, tailored to your needs. Our expert team simplifies the process, offering comprehensive protection for care businesses in this high-risk sector.

We understand the challenges of running a care home and deliver customised solutions to safeguard your operations, allowing you to focus on delivering exceptional care to your residents. Trust us to provide coverage that’s as unique as your business.

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Our bespoke Platinum Care Package offers enhanced cover for a whole range of care home settings and comes with additional benefits:

Access to experienced Care insurance specialists

Claims assistance -expert Loss Adjuster services

Advice and guidance provided via Health & Safety CareLine

Bespoke consultations on risk management, recruitment and finance

Legal advice and access to legal document drafts

Exclusive offers on our partner products and services (below)

For more details on our Platinum Care Package, click here

Multi-Site Care Homes & Corporate Groups Insurance

Our in depth knowledge of the Care sector allows us to understand the issues and risks faced by modern care providers.

When you work with us, you’ll be able to discuss all of your insurance needs and more, with a dedicated account handler who will be able to guide you on all aspects of your requirements.
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Our Platinum Care Package can be adapted to reflect the cover your care homes need and includes these additional benefits:

Access to a dedicated care insurance specialist

Claims Assistance - expert Loss Adjuster services

Health and Safety advice and guidance provided via Careline

Bespoke consultations on risk management, recruitment and finance

Legal advice and access to legal document drafts

Exclusive access to favourable rates on partner products and services (below)

Just some of our partner products for Care Insurance clients:
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Energy – supplier sourcing, management, and consultancy services
Digital Solutions – support with the transition to national digital standards
Financial Planning and Wealth Management – support to help you meet you long term personal and business financial goals

What can care home insurance cover?

Care home insurance provides comprehensive protection tailored to the unique needs of care facilities. It can include cover for public liability, safeguarding you against claims from residents or visitors, and employers’ liability for your staff. It also protects your buildings, contents, and equipment from damage or theft, and offers business interruption cover to help maintain operations during unforeseen disruptions. Additionally, it can include legal expenses, medical malpractice cover, and protection against regulatory investigations, ensuring your care home is safeguarded from a wide range of risks.

Building and contents insurance for care homes ensures your property and assets are protected from damage, theft, or unforeseen events. This cover typically includes protection for the physical structure of the care home, furniture, medical equipment, and other essential items. With the right policy, you can safeguard your care home’s operations, ensuring minimal disruption in the event of property damage, and focus on delivering quality care to your residents.

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‍Care Home Insurance Guide

‍Navigating the complexities of care home insurance is essential for safeguarding your facility, staff, and residents. A comprehensive insurance plan not only ensures compliance with regulatory bodies like the Care Quality Commission (CQC) but also provides financial protection against unforeseen events, read our comprehensive care home insurance guide here.

Click here to read our Care Home Insurance Guide >

Liability cover is a crucial part of care home insurance, protecting your business against claims made by residents, visitors, or staff. Public liability insurance covers accidents and injuries on your property, while employers’ liability insurance ensures you’re protected if an employee is injured or becomes ill while working. Additionally, professional indemnity insurance can help cover claims related to errors or negligence in care, providing peace of mind that your care home is safeguarded against legal and financial risks.

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Medical cover within care home insurance is designed to protect against risks associated with healthcare delivery. This includes coverage for medical malpractice, ensuring that your care home is financially protected in the event of a claim related to the care provided to residents. It can also cover the costs of legal defense and compensation claims, providing peace of mind that your care home is protected against potential medical errors or omissions, allowing you to focus on providing high-quality care.

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Professional indemnity insurance for care homes protects against claims of negligence, errors, or omissions in the services provided. This cover is essential for safeguarding your business from financial losses due to allegations related to poor advice, mistakes in care, or breaches of duty. It ensures that your care home is covered for legal defense costs, compensation, and settlements, allowing you to continue focusing on delivering high-quality care with confidence.

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Abuse and molestation cover within care home insurance protects your facility from claims related to allegations of abuse or misconduct by staff or residents. This coverage helps cover legal fees, settlements, and compensation costs, providing financial protection for your business. It ensures that in the unfortunate event of such claims, your care home is safeguarded, allowing you to focus on providing a safe, supportive environment for residents while managing the potential risks associated with abuse and molestation allegations.

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Just some of our partner products for Care Insurance clients:
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Energy – supplier sourcing, management, and consultancy services
Digital Solutions – support with the transition to national digital standards

Request a quote or get in touch to discuss your cover

A member of our team will be in touch to discuss your insurance needs and talk you through your options.

Request a Quote

Frequently asked questions

If you can’t find the answer you’re looking for please get in touch, we would be happy to help with your enquiry.

What is the difference between a claims occurring and a claims made policy?

In relation to Liability Claims Insurance, policies can vary with regard to whether a claim is acknowledged when the incident leading to the loss took place (Claims Occurring) or when the claim for the incident is actually made (Claims Made).

Public Liability claims have a period of 7 years after the event which the claimant can make a claim, so potentially the Insurer can differ when making a claim as to who is current Insurer and who was in place at the time. The claims basis would determine whether you advise your existing Insurer or the Insurer at time.

Within the Care Insurance Sector, the standard basis of cover is provided on Claims Occurring and gaps in policy cover can be created should you choose to go with a policy which is on a Claims Made basis.In respect of Elderly Care Homes, Quality Care Group only deal with Insurers who provide cover on a Claims Occurring basis.

What cover is provided for incidents of alleged Abuse?

Abuse cover is included on a “silent basis” which prevents any restriction on the cover within the liability sections of the policy. It is commonly considered that any mention of Abuse within a policy wording actually serves to restrict rather than provide any additional cover.

I’m unsure whether an incident which has occurred requires me to report it. What should I do?

Contact us. Our dedicated claims department will be able to advise whether a claim need be reported to Insurers and whether there are any conditions or details required from you. Assistance is also available to ensure that all aspects of your cover are considered when making a claim.

Will my policy provide professional indemnity cover for my Nurses?

Nurses working for the home are covered automatically under the policy for the work that they complete for the home.The cover would actually be picked up under the Treatment or Malpractice section of the policy for the professional services provided to residents. As mentioned above, the cover would only apply whilst the Nurses are fulfilling duties of the home and not whilst providing any care or service outside of this employment.

Why don’t I have a Public Liability Certificate?

Unlike Employer’s Liability, Public Liability and Malpractice are not actually a legal requirement. It is of course however just as essential but for this reason Insurers do not issue a separate Certificate. We are happy to provide at your request a confirmation of the liability covers in place which will be sufficient as evidence for Local Councils and similar third parties.