Care Home Insurance

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Care Home Insurance — Specialist Cover for Residential Care

Care home insurance is a specialist policy designed to protect care homes from risks such as liability claims, property damage, staff injuries, and regulatory challenges. Running a care home involves unique responsibilities — you are caring for vulnerable residents around the clock, and the consequences of an incident can be significant for your residents, your staff, and your business.

At UK Sure, we provide flexible and bespoke care home insurance solutions that cater to various care homes — nursing homes, hospices, dementia care homes, homes for adults with learning difficulties, homes for people with physical disabilities, and assisted living facilities. Our policies cover public liability, employer's liability, professional indemnity, buildings and contents, business interruption, and specialist care home risks.

Whether you run a single care home or a group of facilities, UK Sure will find the right cover.

Get a quote online or call us on 01323 416706.

Why Our Care Home Insurance

1. Public liability for resident and visitor injury claims

2. Employer's liability (legal requirement for all care homes)

3. Professional indemnity for care delivery claims

4. Buildings and contents cover

5. Business interruption cover

6. Cover for multiple care home locations

What's NOT Covered

1. Non-compliance with CQC regulations

2. Intentional harm or negligence

3. Vehicles (separate motor insurance needed)

4. Claims arising before the policy start date

5. Losses from voluntary closure

Key Features of Our Care Home Insurance

Running a care home means being responsible for vulnerable residents around the clock. UK Sure provides specialist care home insurance that covers the unique risks of residential care.

All Care Home Types

Nursing homes, hospices, dementia care, learning difficulty homes, physical disability homes, and assisted living — we cover every type of residential care facility.

Professional Indemnity

Protects against claims arising from the care you deliver — essential cover for regulated care providers responsible for vulnerable residents.

UK Sure understands the challenges of running a care home. We work with specialist insurers who provide bespoke solutions for the care sector, covering risks that standard business policies do not address.

Single care homes and multi-site groups

CQC-compliant cover for regulated providers

Buildings, contents, and business interruption

Flexible monthly payment options

● DETAILS

Additional Care Home Insurance Details

Specialist Insurance for residential care homes

UK Sure provides flexible and bespoke Care Home insurance solutions that cater to various care homes, includingnursing homes,hospices,dementia care, and more. We understand that each type of care home has unique challenges, and we're here to provide tailored solutions to meet your needs.

At UK Sure, we understand the challenges of running a care home. We deliver customised solutions to safeguard your operations, allowing you to focus on providing exceptional care to your residents. With us, you can trust that your business is protected with comprehensive cover that’s as unique as your business.

You canget a quote onlineby running one of the businesses below.

We are looking to reward well-managed care homes with affordable pricing!

The main care covers are insured with Aviva, and we are using specialist insurer Markel to provide the Legal Expenses cover. This is all provided under the one policy:

Residential care homes
Supported living facilities
Care homes for adults with learning difficulties
Care homes for adults with mental health issues and addictions
Children’s care homes
Small businesses and start-ups
Tangible Assets Cover
Business Interruption
Public and Products Liability
Breach of Professional Duty

Optional Group Personal Accident Cover

Protecting Care Homes since 2019. Since our founding in 2019, we have helped countless Care Homes get the protection they need.

We cater to a wide care home businesses and will always be happy to discuss any risk with you.

As a guide, below are the types of care home risks we insure:
Elderly and adult care homes
Homes that accept general and nursing care, plus care of residents with dementia
Homes specifically for residents with learning disabilities or mental health problems
Homes that also have elements of domiciliary care or supported living
Hospices and associated retail and fundraising risks

No limits to the size of the home we can accept

Operating a care home involves numerous risks,including medical malpractice claims,employee injury claims, andpotentialdamage to your propertyfrom events like fires or floods. Securing a care home insurance policy can protect against the abo unforeseen circumstances.

You canget a quote onlineby running one of the businesses below.

Nursing or residential care homes
Supported living facilities
Care homes for adults with learning difficulties
Care homes for adults with mental health issues and addictions
Children’s care homes

Small businesses and start-ups

Liability Cover Public liability insurance. Protects your organisation from the financial impact of compensation claims made by residents, members of the public, or other third parties, for example for injury or damage to their property.

Employers’ liability insurance Provides cover for work-related illness claims (including psychological), injury, or property damage claims made by employees. In most cases, employers’ liability insurance is a legal requirement.

Medical Cover Protects your organisation financially if a resident makes a liability claim after suffering an injury or adverse reaction due to a treatment you administer.

Medical malpractice cover Cover for your organisation if it becomes the subject of a compensation claim due to malpractice or unintentional injury.

Buildings & Contents Buildings insurance. If you own your building, this cover helps protect you against repair or reinstatement costs due to insured incidents such as fire, flood, storm damage, or acts of vandalism.

Care home contents insurance This cover is designed to cover the cost of replacing contents belonging to the care home that are lost or damaged because of an insured event.

Residents’ personal belongings Contents insurance for care home residents can also form part of your policy, helping to protect your business as well as being a benefit for your residents.

Professional Indemnity Should a resident or their family file a claim against your organization due to alleged negligence, such as inadequate care or service, professional indemnity insurance can help cover the associated costs.

Abuse and Molestation Cover Unfortunately, abuse claims are one of the risks that care providers can face. If a member of staff is subject to a claim of abuse or molestation, this insurance can provide financial protection for the organisation.

The Benefits of Appropriate Care Home Insurance Securing adequate insurance for your care home is essential to safeguard against various risks and to comply with the standards set by relevant regulatory. These organizations include the Care Quality Commission (CQC), Ofsted (England), the Care Inspectorate Wales, the Education and Training Inspectorate (Northern Ireland), and Her Majesty’s Inspectorate of Education (Scotland). Additionally, employers’ liability insurance is a legal necessity for care homes, unless all your employees—including volunteers and those on work experience—are immediate family members.

Tangible Assets Cover
Business Interruption
Public and Products Liability
Breach of Professional Duty
Optional Group Personal Accident Cover
Nursing or residential care homes
Dementia care homes
Care homes for adults with learning difficulties
Care homes for adults with mental health issues
Children`s care homes

● FAQS

Frequently asked questions

1. What is care home insurance?

Care home insurance is a specialist policy that protects care homes from risks including liability claims, property damage, staff injuries, and professional negligence. It covers nursing homes, hospices, dementia care homes, and assisted living facilities. Call 01323 416706 for a quote.

2. Is care home insurance legally required?

Employer's liability insurance is mandatory if you employ anyone. Public liability and professional indemnity are not legally required but are strongly recommended — CQC and commissioners typically expect you to have comprehensive cover.

3. What types of care homes do you insure?

We insure nursing homes, hospices, dementia care homes, homes for adults with learning difficulties, homes for people with physical disabilities, assisted living facilities, and residential care homes for vulnerable adults.

4. Can I cover multiple care home locations?

Yes. Many insurers offer flexible policies to cover multiple sites under one policy. This simplifies admin and can reduce costs. Call 01323 416706 to discuss.

5. Does it cover abuse and molestation claims?

Some specialist care home policies include abuse and molestation liability cover. This is a sensitive but important area of protection for care providers. Speak to our team on 01323 416706 for details.

6. How much does care home insurance cost?

The cost depends on the size of your facility, number of residents, services offered, claims history, and level of cover required. Get a quote online or call 01323 416706 for a competitive price.

7. Who needs care home insurance?

Owners or managers of residential care homes, nursing homes, hospices, or assisted living facilities in the UK need this type of insurance.

8. Can I cover multiple care home locations under one policy?

Yes, many insurers offer flexible policies to cover multiple sites.

9. Is there cover for abuse or negligence claims?

Yes, you can include professional indemnity and medical malpractice cover for protection against such claims.

10. Does the policy cover residents’ belongings?

Many policies offer optional cover for residents’ personal possessions, either as part of the main policy or as an add-on.

11. What’s not typically covered?

Common exclusions may include intentional harm, unreported incidents, and some types of wear and tear. Always check the policy wording carefully.