Supported Living Insurance
Insurance that understands supported living
Supported living isn’t the same as residential care – and your insurance shouldn’t treat it as though it is.
At InsurewithCare, we specialise in insurance for supported living providers. We understand the way supported living services operate, the regulatory environment you work within and the particular risks involved in supporting people to live as independently as possible.
Better still, we have access to our own exclusive insurance facility for supported living providers, combining specialist cover with competitive premiums.
Whether you’re an established provider, opening your first supported living service or expanding into new locations, we’re here to help.
Supported living can be complicated. Your insurance doesn’t need to be.
Supported living can encompass a huge variety of services.
You may support people with learning disabilities, autism, mental health needs, physical disabilities or other complex needs. Support can range from relatively low-level assistance through to substantial packages of care delivered around the clock.
Your organisation may also operate across numerous properties that you don’t own.
All of this matters when arranging insurance.
We understand the difference between supported living, domiciliary care and residential care – and why that distinction matters to your insurer.
It means we’ll take the time to understand how your organisation actually operates before recommending your insurance arrangements.
Our exclusive Supported Living Insurance Scheme
Our experience in the care sector has enabled us to develop access to an exclusive insurance facility specifically for supported living providers.
We can arrange protection for organisations supporting individuals with a wide range of needs, including:
- Learning disabilities
- Autism
- Mental health needs
- Physical disabilities
- Sensory impairments
- Complex needs
- Challenging behaviours
- Supported accommodation and community-based services
And as your organisation grows, we can help ensure your insurance grows with you.
Safeguarding, abuse and malpractice – where the detail really matters
For a supported living provider, some of the greatest risks aren’t necessarily the most obvious.
Allegations of abuse, neglect, safeguarding failures or professional malpractice can have serious financial and reputational consequences.
That’s why it’s important to look beyond the headline premium.
Insurance policies can vary significantly in the protection they provide for abuse and malpractice allegations – including the circumstances in which cover applies and the exclusions and conditions attached to it.
We understand these risks and will help you understand your cover.
Because when you’re supporting vulnerable people, knowing exactly how your insurance is intended to respond matters.
Understanding the CQC environment
Where your supported living service provides regulated personal care, you may be required to register with the Care Quality Commission (CQC).
We understand the regulatory environment in which supported living providers operate and the importance placed on safeguarding, governance, safe care, effective management and the protection of the people you support.
Working with a specialist insurance broker means you don’t need to spend your time explaining supported living to someone who doesn’t understand it.
We already speak your language.
What can Supported Living Insurance cover?
Depending upon your organisation and the services you provide, your insurance programme can include:
Employers’ Liability
Protecting your organisation against claims from employees arising from injury or illness connected with their employment.
Public Liability
Protection against claims for injury or property damage involving members of the public or the people you support.
Medical Malpractice & Professional Indemnity
Cover for allegations arising from the professional care, advice and services you provide.
Abuse Liability
An especially important area for organisations supporting vulnerable individuals. We’ll help you understand the extent of the protection provided.
Buildings, Contents & Equipment
Protection for property you own and the equipment and contents your organisation uses.
Business Interruption
Helping your organisation recover financially following an insured event that disrupts your services.
Legal Expenses
Providing access to legal assistance and protection against certain legal costs.
We can also discuss wider protection including Cyber Insurance, Directors & Officers Liability and Motor Fleet Insurance where appropriate.
Insurance for growing supported living providers
Growth creates opportunity – but it can also change your risk.
Opening additional locations, taking on larger care packages, supporting people with more complex needs or significantly increasing staff numbers can all affect your insurance requirements.
That’s why we don’t see insurance as something that should simply be renewed once a year.
We want to understand where your organisation is going and make sure your insurance keeps pace.
Why InsurewithCare?
Supported living specialists
We have many years’ experience arranging insurance for supported living and care providers.
Exclusive insurance facility
We have access to our own specialist facility for supported living providers.
We understand complex care
Including learning disabilities, autism, mental health needs and challenging behaviours.
Safeguarding expertise
We understand why abuse and malpractice protection requires particular attention.
We understand CQC-regulated services
You won’t need to explain the fundamentals of your business to us.
Personal advice from real people
We’re an insurance broker, not a comparison website. You’ll have experienced people available to discuss your organisation, cover and claims.
Let’s talk about your supported living service
Every supported living organisation is different.
Tell us about the people you support, the services you provide, your locations and your plans for the future and we’ll help you find insurance that fits your organisation.
Call our care insurance team on 01452 345303 or request a quotation online.
