Care Home Insurance

Care homes offer various services, including residential, dementia, respite, and palliative care. The caregivers prioritise residents’ wellbeing through recreational and therapeutic activities and foster independence while providing essential support. However, maintaining care homes requires bespoke insurance catering to unique requirements, ensuring comprehensive coverage for residential and nursing facilities.

What is care home insurance?

Care home insurance is tailored coverage for residential care facilities, safeguarding against risks faced by homes, assisted living centres, and in-home care providers. It shields business owners and operators while addressing the unique needs of individuals.

What can care home insurance cover?

Care or nursing home insurance coverage provides care facilities with a comprehensive safety net against potential risks and liabilities, including property damage, liability, and employee injury.

Specialist care insurance usually covers the following:

• Building and contents insurance: This policy protects the care home’s physical structure and contents against damage, loss, or theft.
• Residents’ contents insurance: Covers residents’ personal belongings against damage, loss, or theft while in the care home.
• Public liability: Legal costs and compensation are covered if a third person gets injured or a third-party property is damaged because of the care home’s negligence.
• Employers’ liability: Covers legal expenses and compensation liabilities demanded by an employee who falls ill or gets injured at work.
• Professional indemnity: Protects care home operators against legal action taken by residents or their families for alleged errors, omissions, or negligent advice or treatment provided by the care home.
• Abuse and molestation: Provides coverage for allegations of physical, sexual, or emotional abuse or molestation made against care home staff or residents.
• Treatment risk and medical malpractice: Provides coverage for claims of injury or death caused by errors, omissions, or negligence in diagnosis, treatment, or surgery.
• Resident’s personal liability: Covers the expenses of replacing personal belongings lost or damaged due to fires or floods.
• Money and personal assault: Covers care home operators for losses resulting from robbery or personal assault.
• Book debts: Protects the care home operator from financial losses caused by customer or client debt default.
• Business interruption: Provides coverage for the loss of income and additional expenses incurred when a care home temporarily closes due to covered events such as damage to the building or equipment.
• Inspection and breakdown cover: Provides coverage for the inspection, repair, and replacement of plant and passenger lifts in the care home.
• Legal expenses: Covers legal fees and costs related to the defence or settlement of a legal dispute involving the care home. This can include legal representation, expert witness fees, and court costs.

These are brief product descriptions only. For complete information, please refer to your insurance policy documentation and consult your broker or advisor for further guidance.

What insurance do you need for a nursing home?

• Employers’ liability insurance: This coverage is legally required to protect against claims from employees if they are injured at work.
• Optional coverages: Other types of coverages, such as property and public liability, can provide additional protection against risks like accidents, injuries, and legal expenses.

Who can be covered by care home insurance?

• Homes for children with emotional and behavioural difficulties
• Dementia care homes
• Supported living facilities
• Day care services
• Homes for adults with learning difficulties
• Homes for adults with mental health issues and addictions
• Other kinds of care homes

How can Gallagher support you with insurance for care homes?

• We recommend the most suitable insurance provider based on your unique needs.
• Our specialists work with you to understand your organisation’s risks and create a comprehensive risk profile.
• We thoroughly review your current care home insurance arrangements to ensure they meet your requirements.
• Based on our findings, we produce a detailed report and present it to you, along with recommendations for appropriate coverage.
• With 40+ years of experience in the care sector, we understand your unique challenges.
• Our exceptional customer satisfaction rating on Feefo reflects our commitment to delivering trusted, supreme-quality service.

Who else can Gallagher help provide care insurance for?

• Children’s home insurance
• Mental health and learning disabilities home insurance
• Adoption and foster agency insurance
• Domiciliary care agency insurance
• Supported living insurance
• Insurance for foster parents

How can you arrange care home insurance?

We offer easy insurance coverage to our clients. You can do any of the following:

• Call us on 01625 348029 for assistance (Monday to Friday: 8:30 a.m. – 5:30 p.m.)
• Fill in and submit our short online form (We will get back with a custom quote for you)
• Arrange a call-back, and our team member will call you at your requested time.

FAQs