Care home insurance is designed to protect your facility from a wide range of risks that could impact your ability to operate, from property damage to liability claims. Whether you run a nursing home, residential care home, or hospice, this comprehensive policy offers peace of mind so you can focus on delivering high-quality care.
From legal liabilities and medical malpractice to business interruption and cyber threats, care home insurance provides tailored protection that reflects the specific needs of the care sector.
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.
If you operate any of the following, you’ll likely need specialist insurance to protect your care services. Our insurance packages are suitable for a wide range of care settings, including:
These environments carry significant legal and ethical responsibilities, so choosing the right care home insurance broker is essential to ensure your cover meets CQC and regulatory requirements.
Whatever the size or focus of your care service, we can arrange insurance that reflects your level of risk and regulatory obligations.
Care homes face a wide range of operational risks and responsibilities. Here are the key types of cover to consider:
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.
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.
Covers your buildings, fixtures, equipment, and furnishings from damage caused by fire, flood, or vandalism – particularly important for larger or rural properties.
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.
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.
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.
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 covers legal costs related to contract disputes, regulatory investigations, employment claims, or other legal challenges.
The cost of care home insurance depends on several factors, including:
At Premierline, we compare quotes from trusted UK insurers to help you find the right level of cover. We also recommend regularly reviewing your policy to ensure it reflects any changes in your care provision.
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
Most care homes require public liability, employers’ liability, medical malpractice, property, and business interruption cover as a minimum.
It’s not legally required but is strongly recommended for any care home providing personal or medical care.
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.
Nursing home insurance typically includes cover for medical malpractice, while residential care home insurance focuses more on general liability and property risks.
Yes, policies can include both property and contents insurance for complete protection.
Absolutely. Hospice insurance protects against liability claims, medical negligence, property damage, and legal expenses.
Complete our short form or call our expert advisors. We’ll compare quotes from top care home insurance providers and recommend the right policy.
“Good people to do business with. Premierline gave sound advice and held our hand during a complex situation.”
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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.
Call us or request a quote online to get started.