Coronavirus help and support for our insurance customers


Care Home Insurance

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

  • Care industry specific cover including infectious disease and medical malpractice cover
  • Business and contents cover with option to include buildings, personal accident, employee dishonesty, and more
  • Speak with our care experts for a detailed requirement review and get the cover that’s right for your business

Start your care home insurance quote online

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0330 123 5329
0330 123 5329

Weekdays 8.30am – 5.30pm
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Features of our care home insurance:

Types of care homes we cover

Care homes come in many shapes 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 you 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. These includes things like medical malpractice, infectious disease cover and protection against loss of registration. Our trained advisers are on hand to discuss your risks and cover your care home for all the risks you may face.

Flexible liability cover

While most policies will include public liability cover at £5 million as standard (our policy does this too) there are times when you may need to temporarily or permanently raise this limit to £10 million in order to tender for a public contract. We offer you flexible limits so you won’t miss out on quality contracts, or the chance to grow your business.

HR solutions

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 any legal issues you may have. Whether you’re looking for advice for a potential problem or just want some facts on a certain topic, with our policy you will have access to this service 24-7 for the duration of your policy, meaning you will always have up to date documents and legislation for your business.

How do I know how much cover I need?

For their own liability reasons you are unlikely to find an insurance company who will advise you exactly on how much cover you need. It is essentially your responsibility to take out adequate cover although our advisors can go through your options over the phone and explain how you might want to calculate this cost. Alternatively, many industry organisations or professional bodies will likely be able to offer your some advice.

I only work from home, do I still need professional indemnity insurance?

Professionals who send out products, offer advice of some kind, or provide some services from their own home can still cause harm for which they may be liable. For this reason it’s important you don’t make an assumption that you can’t do any damage when tucked away in your own home, and speak with an advisor about your risks.

What happens if I retire or cease trading?

When you stop trading or retire we recommend you still have something called ‘run off’ cover. This means that claims raised against you for an event that happened while you were still trading are covered (a claim can be raised any time up to 3 years after the fact). When you are ready we can arrange cover for you for this.

Do I receive a discount as a member of a professional association?

Many of our customers can get a discount on their insurance simply by being a member of a professional association or industry body. What’s more, for many of these, we also offer profession specific policies too. This means you can get specific cover with great discounts! Speak to one of our advisors to find out how much you can save.

Can I pay in instalments?

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).

To find out more about PCL and direct debit payments, select direct debit.

To understand more about how PCL works together with Towergate, please read our regulatory information.

Where can I find more information about monthly direct debit?

If you want to know more about our monthly payment option, please read our dedicated page on direct debit.

Care Home Insurance Claims

Our in-house care insurance claims handlers are available Monday to Friday between 9am and 5pm to support you. Furthermore, if you have a more urgent concern, we offer a 24-hour helpline.

For material damage and business interruption claims of over £5,000 you can count on our Claims Assist team. We will appoint a chartered loss adjuster specialising in the type of loss you have experienced to look after your interests and ensure the entire claims process is handled quickly, fairly and without unnecessary stress.

Need to make a claim?

Call us or email us with:

  • Your policy number
  • A contact number
  • Details of your claim
  • Relevant photos
0330 123 5921

Care Home Insurance Articles & Guides

Read our series of helpful guides to help you choose the most relevant cover for your business:

A Guide To Care Home Insurance

insurance guide

A Guide to Care Home Insurance

A simple guide to care home insurance. We explain the features, exclusions and optional covers that are usually found in this type of business insurance. From public liability and contents insurance to the more specific care industry covers like medical malpractice insurance - find out what you need to make sure your care home insurance is right for you.

Group chatting

article

Love in a Care Home

The secret to a happy marriage is something that many people would love to know. We've looked at stories of friendship and love in care homes to try and find out how to have a happy partnership.

Care Home Insurance FAQs

What infectious diseases are we covered against?

Under the business interruption section of our policy we include up to three months' business interruption cover following an outbreak of Human Infectious Disease. This covers all infectious diseases, including the likes of MRSA and swine flu and is not restricted to notifiable diseases.

Does this care home insurance policy include abuse cover?

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.

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

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.

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

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.

Are we able to increase our liability indemnity limits to comply with specific Local Authority Contracts?

Yes, we can increase the indemnity limit in respect of public liability to £10 million for a small additional charge.

What is the Stress Helpline and who can use it?

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

What is Claims Assist and how can it help us?

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.

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

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.

Can I pay for my care home insurance in instalments?

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).

To learn more about how PCL and Towergate work together, please read our regulatory information.

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