We're here to help with your care home insurance
Taking care of your insurance is just one way our team can support you. We're here to manage your risks to protect your business, your staff and the people you care for.
- Commitment
We understand the unique pressures, challenges and risks you face each day. Our team of experts are dedicated to simplifying your insurance, making it one less thing for you to worry about. - Experience
Because we're experts with years of experience, we can arrange bespoke insurance that's tailored to protect you. - Support
We're here to do the hard work, so you can focus on delivering excellent care. We'll search our panel of insurers and offer advice and support when you need it.
What our care home insurance covers
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Management liability (executive liability)
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Employers liability
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Professional liability, including medical malpractice
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Public and products liability
How our team of care home insurance experts can help you
Our team of experts has years of experience supporting businesses in the care sector.
We take time to manage your risks and arrange cover that's right for your care home. So, you can focus on supporting the people you're caring for, knowing you, your business and your staff are protected.
Get in touch with our health and care insurance team
Who does our care home insurance cover?
We pride ourselves on finding high-quality-cover to give you a first-class-service. Whether you run:
- nursing or residential care homes for the elderly
- homes dealing with mental health and mental disorder categories
- homes for service users with learning and physical difficulties
- supported living and sheltered accommodation
- day care services
- children’s homes or agency
- clinics and rehabilitation centres
- hospices.
Clients we support with care home insurance
Because we work with a wide range of care home businesses, we know running a care home presents daily risks. We're here to help protect your reputation, manage everyday challenges, and make sure you, your business and the people you care for are fully protected.
We arrange cover for the following types of care home businesses:
- nursing or residential care homes for the elderly
- homes dealing with mental health and mental disorder categories
- homes for service users with learning and physical difficulties
- supported living and sheltered accommodation
- daycare services
- children's homes or agencies
- clinics and rehabilitation centres
- hospices
Frequently asked questions
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Yes. Under the Employers Liability (Compulsory Insurance) Act, all organisations that have staff are required by law to have employers liability insurance. There is an exception to the rule if you are a sole trader employing close family members.
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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.
You are legally required as an employer to have cover for compensation of at least £5million. Most policies offer cover for £10million.
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The level of cover you need depends on the risks your business faces. Cover can be anywhere from £2 million to £10 million or beyond. The clients you work with or local authority contracts you have tendered for may dictate the minimum value of cover you need.
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You need to have employers liability cover as soon as your care business employs staff. Whether paid or not, if you have any person to whom you are responsible, you're at risk of legal action. "Staff" do not have to be paid or under contract to you. It includes anyone for whom you have a legal duty of care. So sometimes even sole traders need employers liability insurance.
