Care Home Insurance
Protect your business with bespoke care home insurance. As an Independent Chartered Insurance Broker, we work with specialist insurers to help arrange cover suited to your organisation’s need
At Adler Fairways, we’ll take the time to learn about your business before recommending suitable insurance options, helping you make informed decisions about your cover, giving you peace of mind that you’re protected.
Bespoke protection for your care home business
Whether you run a residential care home, a nursing home, a dementia care facility, or a home for adults with learning disabilities, you need to make sure that you have the right insurance in place. Our tailored care home insurance protects your business and helps you meet one of the requirements set by UK regulatory bodies like the Care Quality Commission (CQC).
Types of care home insurance cover
We know that every care home is different. As an independent insurance broker, we search the market to find the right policy for your situation.
To help you choose what types of insurance you may need to consider, here’s a summary of some of the different covers available:
- Buildings & Contents – covers you for your buildings, contents and portable equipment, including items held in trust on behalf of residents.
- Public & Employers’ Liability – gives protection for the care home against claims made by members of the public or employees.
- Business Interruption – protects your income if an unexpected event prevents you from operating as normal.
- Cyber Insurance – protects your business against the financial and reputational impact of a data breach.
- Medical Malpractice – covers your business from any alleged failures in the medical or clinical care provided to residents.
- Hirers Liability cover – protects you against damage or injury arising from the use of hired equipment or vehicles.
- Legal Expenses – covers the cost of legal proceedings arising from disputes with residents, their families or other third parties.
- Abuse cover – protects you if a claim arises from alleged abuse or molestation.
- Directors & Officers Liability – provides essential protection for the senior leadership team against claims made against them because of alleged or wrongful act.
- Personal Accident & Business Travel – provides compensation for staff who suffer a serious injury in the course of their work, or while travelling on behalf of business.
- Professional Indemnity – provides cover if you offer a service or advice.
FAQs
What is care home insurance?
Care home insurance is a tailored package of bespoke business insurance designed for organisations that provide residential care. It brings together different types of cover, such as public and employers’ liability insurance, professional indemnity, buildings and contents, and abuse cover, into one policy. The right cover for you will depend on your care home’s type, size, and the needs of your residents.
Do I need care home insurance?
If you have employees or contractors, Employers’ Liability insurance is required by law in the UK. Care home operators are also expected to have the right insurance to meet the standards of regulatory bodies like the Care Quality Commission (CQC) in England, The Care Inspectorate (CI) in Scotland, Care Inspectorate Wales (CIW) and the Regulation and Quality Improvement Authority (RQIA) in Northern Ireland.
Even if not all types of insurance cover are strictly required, the risks of running a care home, such as injury claims, property damage, and professional liability, mean that you should consider taking out full cover, which is where our expertise will help you.
How much does care home insurance cost?
The cost of care home insurance depends on a number of things, such as the size of your care facility, how many residents and staff you have, the type of care you offer, your claims history, and the covers you need. Since care homes face significant risks, it’s important to have sufficient cover. We will help you find competitive cover that gives your business the protection it needs.
Can you arrange care home minibus insurance?
Yes. We can arrange minibus insurance as part of your main policy or as a separate cover, so your vehicle, driver, and passengers are protected. If you have several vehicles, we can also help combine them under a fleet insurance policy.
*This information is a general guide only. Adler Fairways will assess your requirements and recommend a bespoke range of insurance solutions to meet your needs. As part of the quotation process, we will provide full details of the specific coverage, benefits, limits, premiums, exclusions, excesses payable, and any other policy conditions that would apply to the insurance we recommend for you. We currently only offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.
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