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A Guide to Care Home Insurance

Do I need 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.

Simply put, standard business insurance doesn’t include vital protection against the specific risks of the care industry which could leave your service users, staff and business vulnerable. While some insurance providers will patch together various policies to cover your liability, buildings, contents, this will likely leave holes in your cover for:

Medical malpractice insurance - This is a vital cover which protects against claims for example if a staff member was to administer the wrong medication.

Increased liability cover - We now offer public liability cover with a £10m limit of indemnity as standard. This has increased from the previous standard of £5m to support our customers to win quality contracts that require this limit. 

Residents' contents - The personal belongings, valuables and money belonging to your residents are covered in this section. As an example we cover your residents for valuables up to £1000 per person, pedal cycles, £250 and personal money up to £100. All other items are included within the sums insured you set. These levels can differ between policies so make sure you check what you’re covered for.

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Care home insurance features

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Tips on getting the best cover

Building and tenant improvements - Maintaining and modernising a care home is a full time job. As you grow, add new equipment, make repairs or add extensions make sure you re-calculate you building and contents ‘sum insured’ levels accordingly. Without being careful you could exceed the amount you are covered for which could have a negative effect if you needed to make a claim.

Personal accident - In the care industry standard can’t be allowed to slip. But if a personal accident is keeping a member of staff off sick extra pressure is added to the rest of your work force, creating stress. Personal accident cover on your care home insurance policy can cover you for increased costs of working due to an absence of this kind, helping you to pay for replacement staff and keep your standards up.

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Care home insurance from Towergate

Specialist policies for home care services, hospices, charities and many other care providers are available too. See the related policies section in this guide or view the care and medical insurance section on our website.

As well as great insurance, our care home customers have access to all these useful features free of charge.

CyberHR - Online care-specific human resources management tool.

24-hour legal advice line - Giving you access to industry-specific qualified solicitors and barristers for impartial advice over the phone, at any time. You don’t need to have a claim brought against you, so even if you suspect on might be raised, contact them for advice on how to handle the situation.

Bespoke legal expenses - Protects you and your business in the event of legal disputes and provides cover for the costs of solicitors, barristers, expert witnesses and court proceedings.

24-hour stress helpline - The care industry sees a high level of stress amongst staff. Our free, confidential service offers employers the resource to provide their duty of care. This can prove a vital tool in helping your staff cope and keeping up your standards.

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About the author

Alison Wild Bcom Hons MAAT MATT Taxation Technician Commercial Tax Pensions Insurance And Marketing Specialist AuthorAlison Wild BCom (Hons), MAAT, MATT, Taxation Technician is a highly respected industry professional who has been working with and advising SMEs in areas including tax, pensions, insurance and marketing for over 25 years. She is a member of the Association of Accounting Technicians (AAT) and Association of Tax Technicians (ATT) and also has over 20 years' experience as a residential landlord.

*Percentage is based on desk top indicators carried out in 2020 by specialist surveyors CPA Surveying Services Limited

**Source: ‘Zurich Insider’, September 2017 edition

***Source CPA Surveying Services, June 2021