Supported Living Insurance

Supported living provides care services for vulnerable people living independently. These can be older people, young adults, or adults with special needs or disabilities who do not have access to regular care.

Managing a supported living facility involves many responsibilities, compliance obligations, and risks. Supported living insurance protects such facilities against existing and evolving risks.

Speak to one of our specialists today

Supported or assisted living insurance is a critical form of coverage to consider, designed for organisations providing care to vulnerable sections of society in supported living facilities. It caters to the complex insurance requirements of supported living providers. 

A supported living insurance policy can cover various aspects, considering the diverse needs of these facility providers. But in most cases, the nature of the business, its assets, liabilities, and how it delivers its services will dictate the exact policy configuration.

Supported living insurance or assisted living insurance usually covers the following:

• Property damage: Cost of property repair against damage from fire, vandalism, and extreme weather events.
• Treatment risk: Service user’s claim for negligence or malpractice due to any adverse reactions caused by treatments received from the facility.
• Abuse claims: Claims by any service user on account of alleged abuse at the facility.
• Professional indemnity: Potential lawsuits of professional negligence by service users and their families.
• Employers’ liability: Compensation claim by any employee or volunteer due to work-related injuries or illnesses.
• Public liability: Compensationclaim by any member of the public or third-party member who is injured or has property damaged.
• Book debts: Financial losses due to unpaid fees or outstanding debts owed to the facility for services rendered.

These are brief product descriptions only. Please refer to your insurance policy documentation for particular terms and conditions, exclusions, warranties, subjectivities, excesses, and endorsements.

• Residential care homes
• Assisted living facilities
• Homes supporting children with special needs 
• Non-profit organisations and charities caring for children 
• Care facilities for older adults living independently 
• Nursing homes 
• Other types of care homes 

Choosing Gallagher for supported living insurance comes with a range of benefits:

• Our specialists recommend appropriate insurance tailored to your needs.
• We comprehensively review your current insurance arrangements to ensure they suitably meet your requirements.
• With 25+ years of experience in the care sector, we understand your unique challenges.
• Our exceptional customer satisfaction rating by Feefo reflects our commitment to delivering trusted, high-quality service.

Getting insurance coverage from us is easy. You can do any of the following:

• Call us on 01625 348029 for assistance (Monday – Friday: 8:30am – 5:30pm)
• Fill in and submit our short online form (we will get back with a custom quote for you)
• Arrange a call back, and a member of our team will call you at a time that suits you