Care Home Insurance
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
What's NOT Covered
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.
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.