Carolyn Baker-Mellor
Care Insurance Director and Client Services Leader
Carolyn is a respected industry leader with over 35 years' experience within the care insurance sector. She works across a wide spectrum of insurance product and policy development, delivery and optimisation for care industry clients, including managing global corporate accounts, working closely with trade associations, and helping clients in protecting their businesses and personal assets. Her areas of expertise within the sector include care homes, nurseries, domiciliary care, hospices and charities.
Carolyn currently works at Towergate as Head of Care Insurance. Towergate is the UK’s leading independent insurance broking platform and forms part of the Ardonagh Group, an international network of over 100 offices and 7,000 people which incorporates leading brands in both Lloyd’s of London and global markets.
She previously worked for 10 years at Aon as a director, client services leader and assistant director for claims.
Published Articles
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Cyber Risks in Care
Cybersecurity threats are an increasing risk to individuals and businesses of all sizes - and care homes are no different.
March 01, 2024
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Domiciliary Care Staff Driving for Work: Employer Responsibilities
Learn about your responsibility, as an employer, for domiciliary care staff who drive at work.
January 12, 2024
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Setting Up a Domiciliary Care Agency
Read our guide to setting up a domiciliary care company, including getting the right insurance.
December 19, 2023
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AI in Social Care
With the rapid rise of AI, how is this technology likely to affect the social care sector across the UK?
October 30, 2023
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Supporting Staff with the Care Certificate
Successfully completing the certificate not only enables new recruits to take the first step in a career in health and social care, but it also provides invaluable knowledge that will help them to provide compassionate care within your workplace. Successfully completing the certificate not only enables new recruits to take the first step in a career in health and social care, but it also provides invaluable knowledge that will help them to provide compassionate care within your workplace.
September 07, 2023
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Creative Care Home Competition
At the end of July, we launched our latest competition for the care sector, where we encouraged care homes to get their residents outdoors, celebrating nature in their most creative ways.
September 07, 2023
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Tips on Renewing Your Social Care Insurance
Check out our tips on renewing your social care insurance cover.
April 19, 2023
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Evolving Risks Within the Care Sector
The UK social care insurance market has been restricted for many years, with underwriters concerned at the volume and cost of claims being reported across the sector. The COVID19 pandemic has not improved insurer’s attitude towards the attractiveness of either health or social care risks, meaning further restrictions being placed within the market. As a result, it is vital that care organisations present themselves in the best possible light to ensure that they are able to obtain quotations from the limited number of insurers available, at the most competitive price.
April 18, 2023
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Budget Friendly Ways to Adapt Your Home to be More Accessible
Making your home more accessible for seniors or loved ones with mobility limitations or disabilities, can be a pricey task. Here are a number of budget-friendly, smaller changes, that you can make with little-to-no cost that can help adapt your home to cater for the people in your life to help them live more comfortably and have greater independence.
April 14, 2023
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Insurance Guidance for Care Homes Using External Suppliers
As a social care provider, you must be aware of your responsibilities when external parties enter your residential setting.
March 20, 2023
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The Evolution of the Care Sector Since 1982
This year, Towergate Insurance are celebrating 40 years of working in the care sector and to commemorate our ruby anniversary, we have delved into our archives, as well as spoken to some of our care industry partners to explore just how much the care sector has changed in 40 years.
June 17, 2022
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Celebrating Towergate Care Insurance's 40th Anniversary
This year, Towergate are celebrating 40 years working in the care sector, providing specialist insurance and risk management solutions to care homes and domiciliary care agencies.
June 01, 2022
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Benefits of the Mobii Interactive Sensory Activity Board
There are many benefits to the Mobii Interactive Sensory Activity Board.
June 01, 2022
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#CaringTogether Competition
To celebrate 40 years working in the care sector, providing specialist insurance and risk management solutions to care homes and domiciliary care agencies, we want to involve you!
May 31, 2022
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Pandemic Challenges for the Care Insurance Sector
Insurer Markel UK, asked Towergate, as one of the biggest brokers in the care sector, to contribute to a whitepaper that seeks to examine how the COVID pandemic has changed the insurance environment f
August 17, 2021
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Top Tips for Renewing your Care Business Insurance
Read our top tips for renewing your business insurance.
March 11, 2021
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Escape of Water
Water damage claims cost the insurance industry hundreds of millions of pounds every year and could account for over 50% of business interruption claims.
February 05, 2021
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How to Prepare for Renewal
We wanted to support the sector with some top tips on how to approach your renewal during the coronavirus pandemic.
October 28, 2020
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Cyber Crime and Mobile Devices
When you think of ransomware, you may picture a hacker targeting staff who use laptops or PCs, but employees' mobile devices are vulnerable too.
October 26, 2020
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How To Protect Yourself Against Cyber Crime
As technology develops, our reliance on it increases and in turn cyber related incidents are on the rise.
October 25, 2020
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Mitigate the Cyber Risks for Care Businesses Using Cloud Based Services
The risk of cyber crime is increasing, and care and medical organisations are no exception. Find out how to protect your business against this threat.
July 31, 2020
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Protection for Care Industry Directors and Officers
As lockdown limitations are lifted businesses need to adapt to new regulations and restrictions, and cope with fluctuations in financial performance.
July 27, 2020
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Legal Advice Hub for Care and Medical Businesses
Find out about the Markel Law Hub, a legal information portal to give up-to-date legal information and a wide range of legal precedents for businesses.
June 04, 2020
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Income Protection for Care and Medical Businesses
With rising numbers of self-employed people and small businesses across the UK it’s more important than ever to make sure you have the right protection.
June 03, 2020
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Why You Should Not Cancel Your Care Professional Liability Insurance
If you are travelling with pre-existing medical conditions, read our tips to help you have a safe and comfortable journey.
December 24, 2019
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Top Tips for Keeping Your Home Care Business Running in Winter
Contingency planning in home care is vitally important and the winter weather never fails to challenge home care providers. Read on to find out what you can do to prepare.
October 31, 2019
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State-Backed Medical Indemnity Scheme: What Does It Mean for Your GPs?
Find out how the state-backed medical indemnity scheme will affect your medical insurance.
May 14, 2019
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Preparing your Practice for Staff Absence
Find out how to make sure your staff absence cover suits your needs and contingency plans.
March 18, 2019
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Guide to Avoiding Underinsurance
Read how to ensure you take out an insurance policy with have adequate cover for your needs; and therefore avoiding paying a lot more than you anticipated.
November 29, 2018
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Safety for Care Home and Hospice Gardens
Read our guide for care home and hospice professionals to keeping your residents safe when enjoying the health benefits of gardening.
April 05, 2018
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Love in a Care Home
This article looks at some heart-warming stories of love in care homes and reveals some secrets to happy marriages.
January 30, 2018
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A Brief Guide to Insurance for Local Authorities
Our guide to insurance requirements for local authorities in the UK.
November 30, 2017
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Care Liability Claims on the Rise. Why Should You Care?
This article explains what a care liability claim is and how you can react in the event of a claim against your business.
October 11, 2017
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Dealing with Legal Issues as a Home Care Provider
Towergate Insurance recognises that not all home care providers have the resources to keep on top of new legislation coming out of parliament, as well as the steady flow of case law from the courts.
August 31, 2017
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Using Your Personal Vehicle as a Home Carer
Employers owe a duty of care under health and safety law to ensure the risks of home carers driving at work are managed.
August 31, 2017
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Is your nursery properly insured?
Find out what impact underinsuring your nursery can have on the amount of money received in the event of a nursery insurance claim.
March 01, 2013
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An Employer’s Duty of Care to Lone Workers
Without an understanding of the law, lone domiciliary care workers could be exposing your business to liability claims. Read on to find out more.
February 26, 2013