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Compare care home insurance

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.

Why choose us?

  • Compare insurance quotes
    Right cover, right price
  • Expert advice in just one call
    Insurance tailored to your needs
  • Monthly payment options available
    Your business, your budget
  • Excellent customer service rating 
    Rated 4.6/5 based on 192 Feefo reviews

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Care home insurance frequently asked questions

What is care home insurance?

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.

How do I buy care home insurance?

Request a quote or call us today. We source 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.

What insurance covers do care homes need?

Care home insurance has several covers available, all of which can be specifically tailored to your requirements. There are many considerations to make to ensure you have the necessary cover.

Care home insurance covers to consider:

Care home insurance covers

Buildings, contents and equipment cover

You will have assets such as buildings, contents, equipment and stock that can be safeguarded against many unforeseen events, such as theft, fire, flood, storm damage and much more. If you were to suffer damage at your premises that left you unable to trade, recovery could be challenging without this cover in place.

Business interruption insurance

If you did have a flood at the premises, you may be faced with a situation where you have to close temporarily or even relocate. Business interruption cover can protect you in these circumstances, meaning that your profit and expenses would be taken care of while you get back on your feet. This cover could be the lifesaver of your business; we never expect the worst to happen, but when it does, the effects can be devastating. Business interruption should be a key consideration as many businesses struggle to recover without it following a total loss.

Public liability insurance

Liability insurance is fundamental to this sector. Public liability insurance can cover your liability towards residents, clients, suppliers and visitors to your premises. This ensures that should someone have an accident and sustain an injury, any medical expenses and compensation awarded is taken care of.

Employers' liability insurance

If you employ staff, you will need to include employers' liability within your nursing home insurance. This typically safeguards your liability towards your staff against accidents at work and can cover against the costs of medical bills, legal costs and compensation awards.

Engineering insurance

Many residential homes will also have lifts and other equipment that would need to be inspected annually, which can be covered by an Engineering insurance policy.

Commercial legal expenses

Commercial legal expenses could also be added in to protect against things like employment disputes, criminal prosecution defence and more.

Additional care home insurance covers

There are many other covers that can be included in your nursing home insurance. Medical malpractice insurance and cover for abuse or neglect are often built into care home insurance. You may also wish to consider cyber insurance if you hold residents personal information. All of these covers can be tailored to your requirements to let you focus on what really matters – your business.

Care home insurance brokers

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.

We offer a full 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.


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"I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

Mrs Bridger, Cleaning Contractor, Devon (Customer since April 2017)

"I rang Premierline just to check other insurance offers, after my sky high renewal from my previous insurer. The adviser was friendly and very easy to understand and talk to and he got me a fantastic deal. Very happy.”

Mrs McCall, Pet Shop, North Shields (Customer since January 2021)

"Overall, Premierline offered a great service in securing my annual Professional Indemnity insurance. It was a very simple process and everything was explained well."

Mr Jones, Marketing Consultancy, Manchester (Customer since September 2021)