Care Home Insurance - for care homes, nursing homes and domiciliary care facilities
As a proprietor of a care home, nursing home or domiciliary care facility, we know that the wellbeing and care of your residents or patients will be at the heart of everything you do. Your business will be built on reputation and the exceptional care that you deliver. Due to the inherent nature of providing a care service, your exposure to risk is likely to be relatively high and it’s important that you are able to continue to operate effectively, and without disruption if something should go wrong. Read our blog on how to reduce the risk of claims here.
With so many legal compliances to adhere to and the myriad of professional care services and staff that you engage on a daily basis, it can be a challenge to know exactly what cover you need. Your goal is to protect yourself, and your staff, and to provide reassurance for your residents should the unexpected happen.
This is where we can help. Our expert team of advisers can talk through the potential risks that you face as a business and offer advice and guidance based on their in-depth knowledge of your industry. Whether your business operates from a single site, or covers multi-premises, or perhaps you offer multipurpose social care facilities, we can find the right cover for the care services that you provide.
Together we can build a care home insurance policy that meets with your requirements, providing freedom from worry so you can focus on caring for your residents or patients.
As an independent insurance broker our advice is completely impartial, we will only suggest what we truly believe to be the right cover for you, and because we only partner with A rated insurers you can enjoy complete confidence in the insurance products selected.
Talk to us today about care home insurance, nursing home insurance and domiciliary care insurance. For more information read our Care Home Insurance Advice blog.
We also offer support for individual healthcare organisations.
Arrange Your Care Home Insurance
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“After being badly let down at the last minute by a large agent I found an advert for Barnes and asked if they could help as I only had a few days before my insurance ran out. Matthew took the time to help me find the right cover for our care home. His advice allowed me to consider risk exposure that I hadn’t previously considered – I am very grateful he brought these potential issues to our attention. I’m completely reassured that we have adequate protection in place now.”
Director – Kendal Homes Ltd
Who is it for?
We work with those in domiciliary care, mental health support, care homes, nursing homes, retirement homes, care and day centres, charities, dementia care and hospices.
- Domiciliary care
- Care & Nursing homes
- Alcohol and Drug Rehabilitation Centres
- Care and day centres
- Children’s Homes
Available Cover for Care facilities
Cover for Staff
- Medical malpractice for private work
- Locum Insurance
We deliver comprehensive insurance products from A rated insurers
Why choose us?
- Expert advice – we understand the insurance needs of care homes and care providing facilities and can offer prudent advice
- Reassurance – as an independent broker we have access to market-leading products from A rated insurers
- Freedom from worry – we help you to manage your risk so you can focus on your business
- A personal approach – speak to a dedicated account executive when you need to
- Tailored solutions – you get the right cover for your exact needs
- More than just insurance – we offer additional guidance on business risk management solutions including H&S and HR
- We are proud to be an independent insurance broker – you receive impartial advice you can trust
- Here to help with claims support – on hand to answer your questions and offer guidance for a fast and fair outcome
- Flexibility – we may be able to arrange competitive finance to spread the cost on a monthly basis through our partnership with Close Brothers Premium Finance
Frequently Asked Questions
What is Care Home Insurance?
Care Home Insurance provides financial protection for organisations such as care homes, nursing homes, retirement homes, residential homes, and hospices. Care Home Insurance covers potential liabilities arising from death or injury of an employee, resident, or member of the general public. It can also help with covering loss or damage to your property and other financial risks.
Types of insurance that could make up your Care Home Insurance package could include:
Do I need Care Home Insurance?
Since the care sector is a unique industry, businesses in this sector require specific insurance products that fall outside of a typical commercial combined policy. Without Care Home Insurance, your service users, staff, and business could be vulnerable, if an accident or incident happens.
The CQC requires that care providers must have insurance and suitable indemnity arrangements to cover potential liabilities arising from death or injury of an employee, resident, or member of the public. The CQC also requires care providers to have suitable insurance which can cover loss or damage to your property, and other financial risks, such as medical malpractice claims. This means that having suitable Care Home Insurance cover is a mandatory requirement for your business.
Can you cover care homes who are rated ‘inadequate’ by the CQC?
When a care home has an inadequate rating by the CQC, finding insurance can prove extremely challenging. Barnes Commercial has built strong relationships with an extensive panel of insurers, who specialise in Care Home Insurance, including some that will offer terms to care homes with inadequate CQC ratings.
To find out more about securing insurance with an inadequate CQC rating, you can read our blog.
How much does Care Home Insurance cost?
The cost of Care Home Insurance will vary from business to business. The premium that an insurer will offer you to cover your business against potential risk will depend on a number of factors such as the nature of your business, the services you provide and your CQC rating.
At Barnes Commercial, we get to know our clients, so when we speak to our panel of insurers, we can liaise on your behalf to gain a competitive quotation for cover that will protect your business from commercial risk.
What insurance does a care home need?
Since every care home is unique, there is no one-size fits all policy. At a minimum, Employers’ Liability and Public Liability are the mandatory insurance covers every care home needs. However, it is likely that you will need further insurance protection; exactly what will depend on your circumstances. For example, if you offer regulated medical services in the UK such as the administration of prescribed medication or vaccines, it would be a legal requirement for your business to hold Medical Malpractice Insurance.
Additional types of specialised cover that could form part of your Care Home Insurance package could include:
- Locum Insurance
- Abuse Cover
- Residents’ Contents Cover
- Domiciliary Care Insurance
- Refrigerated Drugs Cover
The best way to determine which cover is right for your business is to talk to an experienced adviser, who can help identify potential risks and provide you with a policy tailored to your exact requirements.
We can offer completely impartial advice and work together to build a Care Home Insurance policy that meets with your needs. This can provide freedom from worry so you can focus on caring for your residents or patients.
Contact us today
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