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Care Home Insurance

Specialist care home insurance designed with care at its core.

  • Tailored to meet your individual needs
  • Includes employers' liability and medical malpractice cover
  • Providing a range of specialist residential and nursing homes with cover
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If you need additional assistance arranging your insurance, find out how our teams can support

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Overall service rating 4.6 / 5

Based on 4300 customer reviews

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Why choose care home insurance with Towergate?

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Dedicated care home cover specialists

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

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Preferred insurance provider

Preferred insurance provider of Care England and National Care Forum.

Liability

Cover for a range of care homes

We provide cover for elderly, learning disability, children’s and mental health care homes.

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Pay by Direct Debit

Our care home cover can be paid in Direct Debit instalments.

About care home insurance

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One size doesn't always fit everyone

Whether you care for the elderly or adults with learning difficulties, mental health challenges, dementia or simply offer a retirement home or supported living opportunities, we can provide specific insurance cover to suit your business.

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Care specific cover

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

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Flexible liability cover for care homes

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

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Support for care home staff

As part of our Care Home Insurance policy, we offer you access to a HR portal – Markel Business Hub. With access to fact sheets, legal documents, legal news and an employee handbook specifically designed for the care sector, Markel Business 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.   

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0330 123 5921 or email careclaims@towergate.co.uk and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
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Care home insurance FAQs

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).

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.

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.

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.

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

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.

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.

Read more FAQs

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