Care Home Insurance
Insurance for care homes with complex needs
Running a specialist care home brings responsibilities and risks that many standard insurance policies simply aren’t designed to understand.
At InsurewithCare, we specialise in insurance for care homes supporting adults with learning disabilities, physical disabilities, mental health needs and other complex care requirements.
We understand your sector, the regulatory environment you operate within and the particular risks involved in providing high-quality care to vulnerable adults.
And because we specialise in care, we have access to our own exclusive Care Home Insurance Scheme, designed specifically with care providers in mind.
Specialist care deserves specialist insurance.
Care Home Insurance built around what you do
No two care homes are quite the same.
The needs of your residents, the level of support you provide, your staffing arrangements and the activities you undertake can all have a significant impact on your insurance requirements.
We work with care homes supporting adults with a wide range of needs, including:
- Learning disabilities
- Physical disabilities
- Mental health challenges
- Autism
- Sensory impairments
- Complex and multiple needs
- Challenging behaviours
- High levels of personal care and support
Rather than simply asking for your turnover and number of employees, we take the time to understand your home, your residents and the care you provide.
That allows us to approach insurers with a proper understanding of your risk and recommend cover that’s appropriate for your organisation.
Our exclusive Care Home Insurance Scheme
Finding the right insurance for specialist care isn’t always straightforward.
Some insurers have limited appetite for homes supporting people with complex needs or may impose restrictions depending upon the nature of the residents being cared for.
Our experience in the care sector has enabled us to access an exclusive insurance scheme for care providers, giving our clients access to specialist protection backed by people who understand the sector.
Whether you operate a single care home or a growing portfolio of locations, we can help.
Abuse, safeguarding and malpractice – don’t overlook the detail
For a care home, some of the greatest risks have nothing to do with fire, flood or damage to your building.
An allegation of abuse, neglect, safeguarding failure or professional malpractice can have serious consequences for your residents, your staff and your organisation.
It’s also an area where insurance policies can differ considerably.
The existence of “abuse cover” on a policy schedule doesn’t necessarily tell you the full story. Definitions, exclusions, limits and the circumstances in which a policy will respond can all matter.
At InsurewithCare, abuse and malpractice protection is an important part of our insurance review, not an afterthought.
We’ll help you understand the protection you have and highlight areas where we believe your organisation may be exposed.
We understand the CQC environment
Providing residential care is about far more than running a business.
You’re operating in a highly regulated environment where quality of care, safeguarding, staffing, governance and the wellbeing of residents are fundamental.
We understand the role of the Care Quality Commission (CQC) and the regulatory responsibilities placed upon registered care providers.
That understanding matters when arranging your insurance.
You shouldn’t have to spend half an hour explaining your sector to your insurance broker.
With InsurewithCare, you won’t have to.
What does Care Home Insurance cover?
Every care home is different, so we’ll build your insurance programme around your particular organisation.
Cover can include:
Buildings, Contents & Equipment
Protection for your buildings, contents, specialist equipment and other property against insured events such as fire, flood and accidental damage.
Employers’ & Public Liability
Protection against claims involving employees, residents, visitors and other third parties.
Medical Malpractice & Professional Indemnity
Protection against claims arising from the professional care, treatment, advice and services you provide.
Abuse & Safeguarding Liability
Specialist protection against certain allegations of abuse, neglect or inappropriate care – an area we believe deserves particular attention when insuring any care provider.
Business Interruption
Helping protect your organisation financially if an insured event prevents you from operating normally.
Legal Expenses
Access to legal support and protection against certain legal costs and disputes.
Depending upon your organisation, we can also arrange Cyber Insurance, Directors & Officers Liability, Motor Fleet and other specialist covers.
Insurance for care homes that are growing
Your insurance requirements won’t necessarily stay the same from one renewal to the next.
You might purchase another home, increase resident numbers, begin supporting people with different or more complex needs, undertake building work or substantially increase your workforce.
All of these things can change your risk.
That’s why we believe a specialist insurance broker should do more than contact you a few weeks before renewal.
We want to understand where your organisation is going and make sure your insurance keeps pace.
Why choose InsurewithCare?
Care sector specialists
Care isn’t simply another industry on a long list of sectors we insure. It’s an area in which we have genuine specialist experience.
Exclusive Care Home Insurance Scheme
Our specialist scheme gives us access to insurance designed specifically for care providers.
We understand complex needs
We’re comfortable working with homes supporting adults with learning disabilities, physical disabilities, mental health needs and challenging behaviours.
Safeguarding and malpractice expertise
We understand why the detail behind abuse and malpractice protection matters.
We understand CQC-regulated care
We know the environment in which you operate and the responsibilities you carry.
Advice from experienced people
We’re an insurance broker, not a comparison website. You’ll have real people available to discuss your risks, insurance and claims.
Let’s protect the care you provide
Whether you’re opening a new care home, reviewing your existing insurance or expanding an established care group, we’d be delighted to talk.
Tell us about your home, the people you support and your plans for the future.
We’ll help make sure your insurance is ready for whatever comes next.
Call our care insurance specialists on 01452 345303 or request a quotation online.
