Care Homes Insurance from £35/month

What does care home insurance cover?

Care home insurance is a specialist combined policy for CQC-regulated residential, nursing, dementia and supported-living providers. It bundles property and contents, public and products liability, statutory employers' liability, treatment/medical malpractice, third-party abuse and molestation cover, CQC regulatory defence, business interruption and residents' personal effects — all rated for the bed count, care category and staffing model of the home.

Property, contents and business interruption

Buildings cover is set to full reinstatement value including specialist conversion features (lifts, hoists, assisted bathrooms, fire compartmentation). Contents covers furniture, medical equipment, catering and laundry plant. Business interruption covers lost fee income, additional cost of working and decanting residents to alternative facilities after an insured event — indemnity periods of 24–36 months are typical because CQC re-registration of damaged premises takes time.

Public, products and employers' liability

Public liability (£5m–£10m) covers resident fall claims, visitor injuries and third-party property damage. Products liability covers foodborne illness from kitchen output. Employers' liability (£10m statutory) covers manual-handling back injuries — the single largest care-sector EL exposure — needle-stick, occupational stress, violent incidents and HAVS where applicable.

Treatment / medical malpractice and abuse cover

Treatment risk (sometimes called medical malpractice) responds to claims of negligent care, medication errors, pressure-sore allegations and failure-to-follow care-plan claims — exposures that a standard PL wording specifically excludes. Abuse and molestation cover responds to third-party allegations of physical, sexual or financial abuse by staff or contractors; almost every UK care-home insurer now requires safer-recruitment evidence (DBS, references, supervision policies) for this section to apply.

CQC regulatory defence and residents' effects

Regulatory defence covers the legal cost of responding to CQC inspections, enforcement notices, "requires improvement" downgrades and prosecutions under the Health and Social Care Act 2008. Residents' personal effects covers loss or damage to residents' clothing, hearing aids, dentures, glasses, mobility aids and personal valuables held in the home.

Common questions about care home insurance

Is abuse cover included as standard?

Specialist care-home policies include third-party abuse and molestation cover, subject to safer-recruitment warranties. Generic business-combined policies almost always exclude it, which is why we place care homes with sector-specialist insurers rather than off-the-shelf SME markets.

Does the policy respond to CQC enforcement action?

Yes. Regulatory and legal expenses cover responds to CQC inspections, enforcement notices, registration challenges and HSE prosecutions — defence costs from the first response, not just at conviction.

What's the difference between treatment risk and professional indemnity?

Treatment risk covers allegations of negligent hands-on care delivered by carers and nursing staff. Professional indemnity covers allegations of negligent professional advice (e.g. care planning by a registered manager). Most care-home policies include both.

How is the premium rated?

Primarily by bed count and care category (residential, nursing, dementia, learning-disability), then by staffing levels, last CQC rating, claims history and any sleeping-in or live-in arrangements. We re-broke at renewal across the specialist care market rather than auto-renewing.

For a care-home quote — single home or group — call 020 8908 2426, message WhatsApp 07954 331362, or request a callback.