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

Request a care home insurance quote, we’ll contact you to discuss your needs

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Or contact us directly for a tailored care home policy

0330 123 5329
0330 123 5329

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Our residential care home insurance policies can include the following features:

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/ 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 advisors 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 £5million as standard (our policy does this too) there are times when you may need to temporarily or permanently raise this limit to £10million 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 policy, we offer you access to a HR portal - elXtr provided by Abbey Legal. With access to fact sheets, legal documents, legal news and an employee handbook specifically designed for the care sector, elXtr 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. For more information visit:

Care Home Insurance Claims

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

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.

Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.

Need to make a claim?

We’re here to help so call us on:

01438 739 731

Care Home Insurance Articles & Guides

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

Finalists And Winners


Welcome to the Towergate Care Awards 2017

On 23rd March 2017, the Towergate Care Awards culminated in a ceremony, welcoming 27 finalists to the Dorchester Hotel in London. Each category winner was presented with their trophy and a Red Letter Day voucher, and two highly commended winners per category received certificates and a Red Letter Day voucher. Last but not least, our Towergate Care Awards Winner 2017 was presented with a trophy, £2500 worth of holiday vouchers, and a standing ovation. Read on to find out about this year's winners.

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 my 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.

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