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Employers liability insurance is a legal requirement for almost all care homes. It protects the business if an employee is injured or becomes ill as a direct result of their work. This includes physical injuries, stress related illness, musculoskeletal conditions and long term health issues linked to workplace activity.
Care homes employ a wide range of staff including carers, domestic teams, maintenance workers, supervisors and managers. Employers liability insurance applies across the workforce and reflects the demanding nature of care provision.
The minimum legal limit for employers liability insurance is ten million pounds. This cover must be in place at all times while staff are employed. Operating without valid employers liability insurance is a criminal offence and can lead to fines, enforcement action and restrictions on trading.
A valid certificate must be held and made available. This forms a core part of a care home’s legal obligations as an employer.
Public liability insurance is not legally compulsory but is essential for care homes. Care homes are open environments with regular footfall from residents families healthcare professionals contractors and visitors.
This cover protects the care home if a third party is injured or their property is damaged while on the premises. In a residential care setting interaction with non employees is constant which increases exposure.
Public liability insurance provides reassurance that the care home is protected against everyday incidents that may occur during normal operation.
If a care home owns the building it is responsible for arranging buildings insurance. This cover protects the structure of the property and must reflect the full rebuild cost rather than the market value or purchase price.
Where premises are leased responsibility depends on the lease terms. Some landlords insure the structure while others require the operator to arrange cover. This must be clearly understood to avoid gaps.
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Insurance arrangements are often reviewed as part of registration lender requirements and contractual agreements. Having appropriate insurance in place supports compliance and demonstrates responsible management. We have even found some local authorities make cyber insurance part of the tender process.
Making sure your care home has the right insurance in place is part of running a compliant and well protected service.
If you would like support reviewing your existing cover or arranging care home insurance you can get a quote using our Typeform designed specifically for care providers.
