Care Home Insurance
What Is Care Home Insurance?
Running a care home isn’t quite like running any other kind of business. You’re looking after people’s health, their wellbeing, their dignity. That comes with responsibilities – and risks – that shouldn’t be left to chance. Care home insurance is designed to protect you from the things that could go wrong, whether that’s a legal claim from a resident’s family, damage to your building, or even a cyber-attack on your records.
Brents has been working with care providers for decades, helping match them with cover that actually fits what they do. Not just a one-size-fits-all policy, but something that reflects the very particular nature of running a care home.
Types Of Care Home Insurance
You might not need all of these – that’s where talking to someone who understands the care sector really helps.
Public Liability Insurance
If a resident, visitor, or contractor is injured or their property is damaged while on your premises, this cover is vital.
Employers’ Liability Insurance
In the UK, if you’ve got staff, this is a legal must. It covers claims from employees who’ve been injured or fallen ill because of their work.
Professional Indemnity Insurance
This is about mistakes, oversights, or claims that your advice or care wasn’t up to standard.
Buildings and Contents Insurance
The bricks, the mortar, the beds, the medical equipment - fire, theft, accidental damage - all the things you don’t want to have to replace out of your own pocket.
Medical Malpractice Insurance/Treatment Liability Insurance
This covers allegations of harm caused by medical or care-related errors.
Cyber Insurance
Because care homes hold sensitive personal information, and the reality is, data breaches can and do happen.
Care Home Insurance
Who Is Care Home Insurance For?
It’s tempting to think “Care Home Insurance is just for big residential homes” – but that’s not the case.
These types of cover are for anyone running, owning, or even managing a care facility, including:
- Residential care homes
- Nursing homes with medical staff on-site
- Specialist dementia or disability care homes
- Supported living facilities
- Respite care centres
- Hospices providing palliative care
Do I Need Care Home Insurance?
Short answer? Yes. Longer answer, all care homes in the UK need to be registered with CQC (Care Quality Commission), and are required by law to hold valid Public Liability Insurance. While other types of care home insurance might not be a legal requirement – having a policy in place often makes sense for peace of mind.
- Do you employ staff? You’re legally required to hold Employers’ Liability Insurance.
- People on-site who aren’t staff? You’ll likely want Public Liability protection.
- Any kind of hands-on care or treatment? You might want to consider Professional Indemnity or Medical Malpractice cover.
- Own or lease the building? Buildings and Contents Insurance could save you from some very expensive headaches.
The truth is, you could run without certain types of insurance. But if something goes wrong, you could end up spending years making up for the financial and reputational hit.
How Much Does Care Home Insurance Cost?
The price of Care Home Insurance depends on things like:
- Type of care home - residential, nursing, specialist care
- Number of residents and staff
- Size and value of the property
- Services offered
- Your claims history
- Location
Some care homes get quoted surprisingly low premiums. Others find the numbers creeping higher than expected. That’s why speaking to a broker – like Brents – can make the whole process a lot less stressful. We look at the whole picture and help make sure you’re paying for the right things, not just the first policy someone offers.
Care Home Insurance
Get A Care Home Insurance Quote
Brents Insurance are specialists in arranging Insurance for Care Homes covering the business, staff and assets.
Working in partnership with the country’s most respected Care Home Insurers, we can offer an all inclusive care home insurance package to meet the needs of both Care Providers and their local authority, whilst complying with the requirements of the Care Quality Commission and its Welsh and Scottish equivalents.
If you own or manage a Care Home, speak to Brents today – we’re able to provide specialist insurance advice and guidance ensuring you’re covered from all angles.