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Care Home Insurance
Specialist care home insurance designed for a range of residents; a policy for your unique requirements.
- A policy that covers residential, elderly, learning disabilities, physical disabilities, mental health, dementia, children, respite care and hospices
- Cover meets requirements of regulatory bodies CQC, Care Inspectorate, CIW and RQIA
- Over 40 years in the sector, establishing key relationships with insurers and associations
One of the UK's leading independent insurance brokers
Why choose care home insurance with Towergate?
Recommended cover from detailed requirements
Our team of specialists will undertake a review of your requirements and get cover that’s right for you.
Working with Associations
We work closely with Care England, National Care Forum and many local associations.
Cover for a range of care homes
We provide cover for elderly, learning disability, children’s and mental health care homes.
Pay for care home insurance by Direct Debit
Our care home cover can be paid in Direct Debit instalments.
About care home insurance
Cover for your unique needs
We provide specific insurance covers to suit your business, regardless of the type of resident, including:
- Elderly
- Learning disabilities
- Mental health
- Dementia
- Children
- Retirement homes
- Supported living
- Residential
- Respite care
- Physical disabilities
- Hospices
A policy that understands the sector
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.
Flexible liability cover
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.
Added value support
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.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
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.
Yes, we offer children's care home insurance.
Hear from long-standing care home owner Rowen Atkinson.
Hear from long-standing care home owner Rowen Atkinson.
Hear from long-standing care home owner Rowen Atkinson.
Care home insurance articles and guides
22/04/2025
Cyber criminals don’t care that you’re a care home
With the cost-of-living crisis hitting hard, care homes around the country are fighting to cut costs where they can.
Read more17/04/2025
Unfortunately, liability awards are rising with inflation, too
Rising inflation has driven liability awards to record highs, leaving many care homes underinsured. Learn how to navigate the risks and protect your business.
Read more15/04/2025
How New Government Policy Is Impacting The Care Sector
As we approach the new financial year, we look at how the increase in National Minimum Wage (NMW), National Living Wage (NLW) and National Insurance will impact those in the care sector.
Read more29/09/2024
CQC Inspections And Delivering Quality Care
During the third episode of our Caring Together podcast, Carolyn Baker-Mellor, Trading Director at Towergate Insurance Brokers, spoke with Dan Bridges, Senior Commissioning Manager at Avery Healthcare, to discuss CQC inspections and how to deliver quality care.
Read more27/09/2024
Fighting The Stigma of Care Homes, From The Inside
In the second episode of the Caring Together podcast, Carolyn Baker-Mellor, Trading Director at Towergate Insurance Brokers, and Dan Bridges, Senior Commissioning Manager for Avery Healthcare, got together to discuss this big question.
Read more24/10/2024
Preparing Your Care Home For Winter
In care homes, where close quarters make it easy for infections to spread, preparing for winter is not just a good practice—it’s essential.
Read more