Care home insurance
A specialist insurance package designed to support nursing homes, residential care homes, and hospices with expert cover for your property, people, and care services.
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Why choose us for your care home insurance?
We're Health and Social Care Insurance Experts
At Premierline, we’ve been arranging insurance for healthcare and social care organisations for over 20 years. We’re here to help you find cover that protects your residents, staff, premises, and reputation.
We’re also a preferred supplier of Spectrum Care, a care purchasing network for care home operators.
Leading broker service: Access to top UK care home insurers.
Expert advisors: Regulatory knowledge for nursing and care homes.
Tailored packages: Hospice liability to full nursing home policies.
Award-winning service: Trusted, highly-rated customer support.
Simple and hassle-free: We handle the insurance process for you.
What types of insurance do care homes need?
Care homes face a wide range of operational risks and responsibilities. Here are the key types of cover to consider:
Care home liability insurance
Public liability insurance
Covers claims if a resident, visitor, or third party is injured or their property is damaged on your premises. Public liability insurance is essential for care providers hosting visitors, contractors, or external healthcare professionals.
Employers’ liability insurance
A legal requirement if you employ staff. Employers’ liability cover protects against claims from employees injured during work, including incidents involving manual handling or exposure to medical substances.
Nursing home property insurance
Business building insurance
Covers your buildings, fixtures, equipment, and furnishings from damage caused by fire, flood, or vandalism – particularly important for larger or rural properties.
Business content insurance
Covers your buildings, fixtures, equipment, and furnishings from damage caused by fire, flood, or vandalism – particularly important for larger or rural properties.
Nursing home malpractice insurance
Protects your business against claims of medical negligence or errors in care delivery by staff, including nurses, therapists, and doctors. Covers legal fees, compensation, and associated costs.
Business interruption insurance
Provides financial support if your care home is forced to close or relocate due to an insured event. Business interruption insurance helps cover lost income and ongoing operational costs.
Cyber & data insurance
Care homes hold sensitive medical and personal data, making them a target for cyberattacks. Cyber insurance helps you recover from data breaches or ransomware attacks.
Engineering & breakdown cover
Covers essential safety checks and repairs for equipment such as lifts, fire alarms, and medical devices. Helps prevent breakdowns that could put residents at risk.
Commercial legal protection
Commercial legal protection covers legal costs related to contract disputes, regulatory investigations, employment claims, or other legal challenges.
Get a quote for care home insurance
Start a quote
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
Speak to an expert
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 FAQs
What insurance does a care home need?
Most care homes require public liability, employers’ liability, medical malpractice, property, and business interruption cover as a minimum.
Is medical malpractice insurance a legal requirement for care homes?
It’s not legally required but is strongly recommended for any care home providing personal or medical care.
Do care homes need cyber insurance?
Yes, you should consider this insurance. If you store digital records of residents, finances, or medical data, cyber insurance can protect against the impact of data breaches and cyberattacks.
What’s the difference between nursing home and residential care home insurance?
Nursing home insurance typically includes cover for medical malpractice, while residential care home insurance focuses more on general liability and property risks.
Does care home insurance include building and contents cover?
Yes, policies can include both property and contents insurance for complete protection.
Do hospices need insurance too?
Absolutely. Hospice insurance protects against liability claims, medical negligence, property damage, and legal expenses.
How do I get a quote for care home insurance?
Complete our short form or call our expert advisors. We’ll compare quotes from top care home insurance providers and recommend the right policy.
Our customer reviews and testimonials
“An excellent company you can trust. Im very happy with Premierline and would recommend their insurance to anyone.”
Care Home
Customer since February 2025
Our independent customer reviews
Get a quote for care home insurance
Protect your care home with tailored insurance you can trust. Speak to our experts today to build the right insurance package for your care facility.
Start a quote
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
Speak to an expert
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
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