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Care Insurance Made Easy

What care insurance can we help you with?

We have years of experience working with many businesses throughout the care sector, so we know the daily risks you face. We're here to help you manage everyday challenges, protect your reputation, your business and the people you care for.

What type care service are you looking to insure?

Quote and buy insurance online

If you are a carer or employ a carer in your home – buy or renew your insurance online.

Free no obligation health check

We want you to be confident that you and your business are fully protected. If you only realise you don't have the right cover when making a claim, the financial impact could be significant. That's why we're offering you a free, no-obligation insurance health check.

Care home insurance

Running a care home is rewarding, but we know it can also be very challenging.

We work with insurers who adapt to meet the ever-changing needs of today's care homes. At the same time, our dedicated team has over 25 years of experience in the care sector – we're here for you when you need us.

Insurance for mental health providers

We have years of experience in the healthcare sector. Our team of experts are here to arrange the right mental health liability insurance for your business.

Domiciliary care insurance

We've been supporting businesses in the care sector for over 25 years. Our team of health and care experts have a wealth of experience and expertise, so we can arrange the right protection for your domiciliary care business.

Insurance for individual carers

An individual carers insurance policy gives protection and peace of mind whilst delivering care and support in your community.

Direct care insurance

The direct care policy provides cover if you employ carers or personal assistants in your home. Packages start from just £62.50 per year.

Surgery insurance

Working with doctors, dentists, and healthcare practices across the UK, we understand the evolving challenges and issues you face. We're here to arrange the right protection for medical and dental professionals like you.

Foster care agency insurance

We understand that the accountability pressures you face for children in your care are increasing. We're here to ensure your insurance cover provides the protection you need.

Frequently asked questions

Q
How much public liability insurance cover will I need?
A
The level of cover you need depends on the risks your business faces. Cover can be anywhere from £2m to £10m or beyond. The clients you work with or local authority contracts you have tendered for may dictate the minimum value of cover you need.
Q
Do I need public liability insurance if I am self-employed carer?
A

 Yes. We would advise any business to hold such cover, whether you occupy a premises or whether you are working away, or visiting someone’s home.

Q
Does my healthcare practice need employers liability insurance?
A
Yes. Under the Employers' Liability (Compulsory Insurance) Act, if your company employs staff, you are required by law to have employers' liability insurance in place. This insurance will enable you to meet the cost of any compensation due should an employee suffer injuries or illness, whether they are caused on or off-site.
Q
When do I need to get employers liability cover for my healthcare practice?
A
You will need to have employers' liability cover in place from the day your care business employs staff. Whether paid or not, you are at risk of legal action from the moment you have any staff for who you are responsible. To qualify as 'staff', a person does not have to be paid or under contract to you; it can be any person you have a legal duty of care over. This means sometimes even sole traders will need employers liability insurance.
Q
What is the minimum cover I need to have in place for my healthcare practice?
A

The level of cover you need will depend on many factors. We would need to assess your business and the risks it faces, then make recommendations. Other influences that can dictate how much cover you need are the types of people you care for, local authority requirements to meet your contract terms and any previous insurance claims you have made. In larger organisations, or where several employees are in one location, we'd recommend increased limits of cover are arranged.

As an employer, you're legally required to have employers liability cover for compensation of at least £5 million, but most policies will offer cover for £10 million.

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