Children’s Care Home Insurance
Insurance designed for a complex and growing sector
Running a children’s home brings responsibilities and risks that are very different from those faced by most businesses.
At InsurewithCare, we specialise in insurance for the care sector and have extensive experience working with children’s home providers. We understand the challenges you face, the regulatory environment in which you operate and, importantly, the insurance cover you need when things go wrong.
We also have access to our own exclusive children’s care home insurance scheme, providing specialist cover that isn’t generally available through the wider insurance market.
A growing sector – but a challenging insurance market
Demand for residential children’s care continues to grow significantly across England.
The number of children’s homes has increased rapidly in recent years, with new providers entering the sector and existing operators opening additional homes.
Yet while the sector is growing, obtaining the right insurance isn’t necessarily getting easier.
Some insurers are reluctant to provide cover for children’s homes, while others impose significant restrictions or exclusions. This makes it particularly important to work with an insurance broker who genuinely understands children’s residential care.
That’s where InsurewithCare can help.
Our exclusive Children’s Care Home Insurance Scheme
Because of our experience within the care sector, we have developed access to an exclusive insurance scheme specifically for children’s care homes.
Rather than trying to fit your organisation into a generic care or commercial insurance policy, we can arrange cover designed around the particular exposures faced by children’s home providers.
We can help insure both established operators and new children’s homes, including providers caring for children and young people with:
- Learning disabilities
- Mental health and emotional difficulties
- Physical disabilities
- Sensory impairments
- Complex needs
- Challenging, violent or aggressive behaviours
If you’re opening a new home, expanding an existing group or reviewing your current insurance arrangements, talk to us.
Abuse, safeguarding and malpractice cover matters
For children’s home providers, some of the most serious risks aren’t related to buildings or equipment.
Safeguarding allegations, abuse claims and allegations of professional malpractice can have devastating financial and reputational consequences.
This is an area where the detail of an insurance policy really matters.
Policies can differ significantly in how they respond to allegations of abuse, neglect, inappropriate behaviour or failures in professional care.
Our role isn’t simply to find you an insurance policy.
It’s to help make sure you understand what you’re covered for – and where the potential gaps are.
We pay particular attention to areas such as abuse cover, malpractice, public and employers’ liability, property, business interruption and legal liabilities when reviewing insurance arrangements for children’s homes.
Insurance that understands the Ofsted environment
Ofsted registration and inspection are fundamental parts of operating a children’s home in England.
We understand that providers operate within a highly regulated environment where safeguarding, the protection of children and young people, effective management and robust procedures are under constant scrutiny.
Your insurance arrangements should reflect that environment.
Working with a specialist broker who understands children’s homes means you don’t have to explain your business from scratch every time your insurance is reviewed.
We already understand your world.
Why choose InsurewithCare?
Children’s care home specialists
We understand the sector, its terminology and the risks children’s home providers face.
Exclusive insurance scheme
We have access to our own specialist scheme developed for children’s care home providers.
Cover for complex risks
Including providers caring for young people with challenging behaviours and complex needs.
Focus on safeguarding exposures
We understand the importance of abuse, malpractice and safeguarding-related insurance protection.
Support as you grow
From your first children’s home to an expanding portfolio of locations, we can help ensure your insurance develops alongside your organisation.
A broker you can actually talk to
You’ll have experienced people available to discuss your cover, risk management and claims – rather than simply buying a policy online.
Talk to a children’s care home insurance specialist
Whether you’re opening your first children’s home, adding another location or reviewing an existing insurance programme, we’d be delighted to talk.
We’ll take the time to understand your organisation, the children and young people you support and the way your homes operate before recommending appropriate cover.
Speak to InsurewithCare today on 01452 345303 or request a quotation online.
