Care worker pushing a wheelchair down a corridor

Care Home Insurance

We compare quotes from leading insurers
Running a care home is a complex yet rewarding profession that requires care and diligence to ensure everything runs smoothly.

Any business owner in this sector will appreciate the daily risks and responsibilities and the need for bespoke insurance to protect against the unexpected. That’s why we recommend comprehensive insurance cover that’s tailored to your individual needs.

Working closely with some of the UK's leading insurers we arrange quality cover and make professional recommendations based on your unique insurance requirements. We understand the exposures you face and use our expertise in the insurance market to find the cover that’s right for you. Speak to our insurance advisors today to get the right cover for you and your care home, minus the hassle.

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Care home insurance is designed to protect your business against unforeseen events that could lead to financial loss and impact your ability to trade. The industry faces many challenges and risks, so comprehensive insurance is essential. Without the right nursing home insurance in place, you may be personally accountable for third party claims, as well as property damage that may occur in the course of your business.
When deciding what insurance and covers you need to protect your business, you should consider the following:

Care home insurance is designed to cater to a variety of trades in this sector; from care homes to nursing homes, retirement homes and residential care, to hospices. Your insurance cover can be tailored to cover your specific trading activities and ensure you have comprehensive insurance to protect your business.

Your work could be focused on helping people with mental health issues or physical disabilities, or working in a supported living environment or a retirement village. Whatever your speciality, bespoke insurance is needed to protect your business against a number of unexpected events.

Typically, care home insurance can cover your buildings, equipment, clients, staff, and general trading activities. Covers to consider include:

  • Public liability – for injuries or damage to members of the public or their property.
  • Employers' liability – to cover your employees.
  • Buildings cover – to cover for loss or damage to your premises.
  • Equipment, contents and stock – to reinstate your items and belongings.
  • Business interruption – to keep finances running when disaster strikes.
  • Business legal expenses – to cover the cost of legal expenses or defending your business against legal action.
  • Cyber liability - for cover against any loss or damage to electronic data as a result of cyber-attacks or other security breaches.
  • Medical malpractice - provides financial protection to medical professionals in the event of a claim of medical malpractice or negligence.
  • Engineering insurance - for equipment or machinery that is critical to business operations.
The cost of care home insurance can vary depending on a number of factors, including the size of your care home, the level of cover you need, and the other risks associated with the care industry. We suggest you obtain quotes from multiple insurers in order to compare covers and find the best price. At Premierline we can help you compare quotes from the UK's top business insurers. You should also remember to regularly review your insurance needs to make sure your cover meets the changing needs of your care home.
We offer a fully advised broker service which means we work closely with a number of the UK’s leading insurers to find you the right insurance for your nursing home. We are committed to doing all the hard work for you, to make arranging your nursing home insurance simple and hassle-free. Talk to a business insurance advisor today as we’re on hand to discuss your requirements and will support you for the duration of your policy.

At Premierline, we work with many different types of care homes that cater to different needs and levels of care, such as:

Residential care homes, nursing homes, dementia care homes, assisting living facilities and hospice care homes.

Regardless of the type of care home, it is important for care facilities to have adequate insurance coverage to protect against potential liabilities and risks associated with their business activities, and that's where our team of experts at Premierline can help.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 
“Excellent Service! Unfortunately had to file an insurance claim but the process was clear and smooth. Claim payout was processed promptly. Renewed business insurance for another year.”
Dental Surgery
Customer since November 2021
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.
Request a quote or call us today. We arrange care home insurance quotes from a range of UK insurers to get you the protection you need. Our expert advisors are dedicated to finding you the right cover at the right price, to make arranging your insurance as straightforward as possible.
Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm