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care home INSURANCE

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.

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.

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.

What our care home insurance covers

Your standard policy includes:

  • public and products liability
  • professional liability, including medical malpractice
  • management liability (executive liability)
  • employers liability.

Governing bodies

We are here when you need us. We're dedicated to ensuring our care home insurance products and services keep up with the pace of change. You can be confident any insurance we arrange for you will fully meet the requirements of the following bodies:

Care Quality Commission in England (CQC).
Regulation Quality Improvement Authority in Ireland (RQIA).
Care and Social Services Inspectorate in Wales (CSSIW).
Care Inspectorate (CI) and Healthcare Improvement Scotland (HIS).

Efficient claims service

Should you need to make a claim, we're here to advise and negotiate on your behalf.

Your Marsh Commercial adviser can manage the process through to settlement - allowing you to focus on running your care business.

Frequently asked questions

Q
Does my care business need Employers Liability Insurance?
A
Yes. Under the Employers Liability (Compulsory Insurance) Act, all organisations that have staff are required by law to have Employers Liability Insurance.
Q
When do I need to get Employers liability cover for my care business?
A
You require employers liability cover from the day your care business starts employing staff. From the moment you have any person to whom you are responsible, whether paid or not, you are at risk of legal action. To qualify as "staff" a person does not have to be paid or under contract to you. It includes any person to whom you have a legal duty of care. This means that sometimes even sole traders will need employers liability insurance.
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
What's the minimum cover I need to have in place for my care business?
A
You are legally required to have cover for compensation of at least £5 million, but most policies will offer cover for £10 million. The cost of your care provider insurance premium is usually based on a number of factors including: the nature of your business; the number of people you employ (and/or the payroll cost); your previous insurance claims. In the case of larger organisations or where a number of employees are in one location, increased limits are recommended.