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Care Home Insurance
UK Sure provides flexible and bespoke Care Home insurance solutions that cater to various care homes, including nursing homes, hospices, dementia care, and more. We understand that each type of care home has unique challenges, and we're here to provide tailored solutions to meet your needs.
At UK Sure, we understand the challenges of running a care home. We deliver customised solutions to safeguard your operations, allowing you to focus on providing exceptional care to your residents. With us, you can trust that your business is protected with comprehensive coverage that’s as unique as your business.
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You can get a quote online by running one of the businesses below.
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Residential care homes
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Dementia care homes
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Supported living facilities
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Hospices
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Care homes for adults with learning difficulties
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Care homes for adults with mental health issues and addictions
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Daycare services
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Children’s care homes
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Small businesses and start-ups
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Portfolios of homes
Care Home Insurance
We are looking to reward well-managed care homes with affordable pricing!
The main care covers are insured with Aviva, and we are using specialist insurer Markel to provide the Legal Expenses cover. This is all provided under the one policy:
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Tangible Assets Cover
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Property Damage
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Computer Breakdown
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Machinery Damage
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Money & Assault
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Goods In Transit
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Frozen Foods
Financial losses
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Business Interruption
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Loss of Registration
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Liabilities
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Employers' Liability
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Public and Products Liability
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Treatment Liability
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Breach of Professional Duty
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Cyber
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Benefits
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Optional Group Personal Accident Cover
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Protecting Care Homes since 2019. Since our founding in 2019, we have helped countless Care Homes get the protection they need.
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We cater to a wide care home businesses and will always be happy to discuss any risk with you.
As a guide, below are the types of care home risks we insure:​
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Elderly and adult care homes
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Homes that accept general and nursing care, plus care of residents with dementia
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Homes specifically for residents with learning disabilities or mental health problems
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Homes that also have elements of domiciliary care or supported living
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Hospices and associated retail and fundraising risks
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No limits to the size of the home we can accept
Care Home Insurance
Tangible Assets Cover
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Property Damage
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Computer Breakdown
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Machinery Damage
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Money & Assault
-
Goods In Transit
-
Frozen Foods
Financial losses
-
Business Interruption
-
Loss of Registration
​
Liabilities
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Employers' Liability
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Public and Products Liability
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Treatment Liability
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Breach of Professional Duty
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Cyber
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Benefits
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Optional Group Personal Accident Cover
Meet the team
Care home insurance policy explained
Operating a care home involves numerous risks, including medical malpractice claims, employee injury claims, and potential damage to your property from events like fires or floods. Securing a care home insurance policy can protect against the abo unforeseen circumstances.
You can get a quote online by running one of the businesses below.
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Nursing or residential care homes
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Dementia care homes
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Supported living facilities
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Hospices
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Care homes for adults with learning difficulties
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Care homes for adults with mental health issues and addictions
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Daycare services
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Children’s care homes
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Small businesses and start-ups
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Portfolios of homes
What can Care Home insurance cover?
Liability Cover
Public liability insurance. Protects your organisation from the financial impact of compensation claims made by residents, members of the public, or other third parties, for example for injury or damage to their property.
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Employers’ liability insurance
Provides cover for work-related illness claims (including psychological), injury, or property damage claims made by employees. In most cases, employers’ liability insurance is a legal requirement.
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Medical Cover
Protects your organisation financially if a resident makes a liability claim after suffering an injury or adverse reaction due to a treatment you administer.
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Medical malpractice cover
Cover for your organisation if it becomes the subject of a compensation claim due to malpractice or unintentional injury.
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Buildings & Contents
Buildings insurance. If you own your building, this cover helps protect you against repair or reinstatement costs due to insured incidents such as fire, flood, storm damage, or acts of vandalism.
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Care home contents insurance
This cover is designed to cover the cost of replacing contents belonging to the care home that are lost or damaged because of an insured event.
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Residents’ personal belongings
Contents insurance for care home residents can also form part of your policy, helping to protect your business as well as being a benefit for your residents.
Professional Indemnity
Should a resident or their family file a claim against your organization due to alleged negligence, such as inadequate care or service, professional indemnity insurance can help cover the associated costs.
Abuse and Molestation Cover
Unfortunately, abuse claims are one of the risks that care providers can face. If a member of staff is subject to a claim of abuse or molestation, this insurance can provide financial protection for the organisation.​
The Benefits of Appropriate Care Home Insurance
Securing adequate insurance for your care home is essential to safeguard against various risks and to comply with the standards set by relevant regulatory. These organizations include the Care Quality Commission (CQC), Ofsted (England), the Care Inspectorate Wales, the Education and Training Inspectorate (Northern Ireland), and Her Majesty’s Inspectorate of Education (Scotland).
Additionally, employers’ liability insurance is a legal necessity for care homes, unless all your employees—including volunteers and those on work experience—are immediate family members.
Meet the team
Frequently Asked Questions
Question: What is care home insurance
Care home insurance is a specialised policy designed to protect care homes from risks such as liability claims, property damage, staff accidents, and business interruption.
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Question: Who needs care home insurance?
Owners or managers of residential care homes, nursing homes, hospices, or assisted living facilities in the UK need this type of insurance.
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Question: Is care home insurance legally required?
While not all elements are legally required, employers’ liability insurance is mandatory if you employ anyone. Other coverages are strongly recommended.
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Question: Can I cover multiple care home locations under one policy?
Yes, many insurers offer flexible policies to cover multiple sites.
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Question: How much does care home insurance cost?
Pricing varies depending on the size of the facility, number of residents, services offered, claims history, and level of cover needed.
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Question: Is there cover for abuse or negligence claims?
Yes, you can include professional indemnity and medical malpractice cover for protection against such claims.
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Question: Does the policy cover residents’ belongings?
Many policies offer optional cover for residents’ personal possessions, either as part of the main policy or as an add-on.
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Question: What’s not typically covered?
Common exclusions may include intentional harm, unreported incidents, and some types of wear and tear. Always check the policy wording carefully.
Do you have a question about care home insurance?
Submit your question here
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UK Sure Customer Services
How our customers rate us
They saved me.. thanks
Kobina Ampah
2025-06-12
Beatriz Rodrigues
2025-05-27
They are good professionals! Always ready to help! I was the best choice I made! 🙂
RACHEL SHANNON
2025-05-22
Absolutely 10/10 The service received from start to finish has been fantastic despite the complexity of the insurance required. Customer service received was superb in every way (specially Marco who has been super super helpful in securing the policy) at a great price too.