Care Home Insurance

Designed with care at its core, our care home insurance policy can be tailored to meet the specific needs of your business.

0330 123 5329

Weekdays 8.30am – 5.30pm

About Care Home Insurance

Direct Debit

Pay by Direct Debit

Our care home cover can be paid in instalments

Heartbeat

Care industry specific cover

Including employee liability and medical malpractice cover

Building

Business and contents cover for care homes

Option to include buildings, personal accident, employee dishonesty, and more

Chat

Dedicated care home cover specialists

We can perform a detailed requirement review and get the cover that’s right for your business

Features of Care Home Insurance

Standard cover

Types of care homes we cover

Care homes are varied and cater for different service users. So, if you care for the elderly or adults, with learning difficulties, mental health, dementia, or simply offer retirement home or supported living, we can provide specific insurance cover for your business.

Care specific cover

As well as the more standard business insurances, the care industry face a set of unique risks which our care policies are designed to cover, including medical malpractice, professional indemnity and protection against loss of registration. Our trained advisers are on hand to discuss your risks and cover your care home for the risks you may face.

Flexible liability cover for care homes

We offer 10 million public liability cover as standard, but can provide higher flexible limits above this so you won’t miss out on quality contracts, or the chance to grow your business.

Support for care home staff

As part of our care home insurance policy, we offer you access to a HR portal - Markel Law Hub. With access to fact sheets, legal documents, legal news and an employee handbook specifically designed for the care sector, Markel Law Hub offers guidance and information for legal issues you may have., We also offer staff free access to a 24/7 stress helpline that they can call confidentially.

Care Home Insurance FAQs

Question

Can I pay for care home insurance in instalments?

Answer

If you would prefer to spread the cost of your policy, you have the option of setting up a direct debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

Question

Does this care home policy include abuse cover?

Answer

Yes. The policy does not exclude abuse and will protect you where you are legally liable for allegations made against you for the likes of sexual, mental and physical attacks on residents.

Question

Can I get any assistance with human resources issues such as contracts of employment, policy and procedures or staff handbooks?

Answer

As part of the legal expenses cover, you will receive at no extra cost, a care-specific, online human resources management tool. It will give you access to customisable care-specific documentation including: employment contracts, contracts for bank workers, disciplinary procedures, staff handbook, health and safety guides including legal documents and up-to-the minute changes in legislation.

Question

Will legal advice be offered by trained solicitors or barristers, with experience within the care sector?

Answer

Yes, all enquiries are handled by a dedicated team specialising in care. Legal advice is only given by qualified solicitors and barristers and the claims team are all qualified with a law degree as a minimum.

Question

What is the Stress Helpline and who can use it?

Answer

The Stress Helpline is a 24-hour confidential telephone helpline and is available for you or any employee of your business to use.

Question

What is Claims Assist and who can use it?

Answer

Claims Assist, also known as Towergate Assist, is a claims recovery service for material damages claims over £5,000. You will be appointed a chartered loss adjuster to look after your interests and to ensure the entire process is handled quickly, fairly and without unnecessary stress. Importantly, the loss adjuster will be a specialist in the type of loss experienced and will be appointed to work on your behalf, not the insurers.

Question

Is there anyone in your company to help us with registration issues that we may encounter?

Answer

We have an independent registration consultant retained solely by us, who can help our clients with any queries they may have. Our legal helpline can also assist you in keeping your business operational.