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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
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One of the UK's leading independent insurance brokers

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Overall service rating 4.6 / 5

Based on 3949 customer reviews

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Why choose care home insurance with Towergate?

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Recommended cover from detailed requirements

Our team of specialists will undertake a review of your requirements and get cover that’s right for you.

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Working with Associations

We work closely with Care England, National Care Forum and many local associations.

Liability

Cover for a range of care homes

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

Direct Debit

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
Care

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.

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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.

People

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.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

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.

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.

Read more FAQs

Care home insurance articles and guides

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.

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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.

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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.

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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.

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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.

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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.

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