Care home group insurance

ALDIUM Insurance

Aldium Insurance — Care Sector Specialists

Care Home Group Insurance

Specialist group insurance solutions for care operators managing multiple homes or locations — one policy, comprehensive protection across your entire portfolio.

What is Care Home Group Insurance?

Care Home Group Insurance is a specialist type of insurance designed for care operators who run two or more care homes, whether across a single region or multiple locations throughout the UK. Rather than arranging separate policies for each individual home, a group policy brings all of your sites under one umbrella — simplifying your administration, aligning your renewal dates, and often delivering better value for money.

At Aldium Insurance, our care specialists take the time to understand the full scope of your group operation. We consider the size and type of each home, the level of care provided, your staffing arrangements, and any specific risks associated with individual sites. With access to a wide panel of market-leading insurers and exclusive group schemes, we are able to negotiate competitive premiums that reflect the strength and scale of your organisation.

To request a group insurance quote, complete our enquiry form below and one of our care insurance specialists will be in touch to discuss your requirements in detail.

Get a Group Insurance Quote

Tell us about your group and one of our care insurance specialists will come back to you with a tailored quotation.

What Does Care Home Group Insurance Cover?

Your group policy can be tailored to include a combination of the following covers across all sites within your portfolio:

Buildings Cover

Covers the cost of rebuilding, repairing, or reinstating any of your care home properties following damage caused by an insured peril such as fire, flood, or storm across all group sites.

Contents Cover

Protects the business contents across your homes, including furniture, fixtures, equipment, medicines, vaccines, and controlled drugs held at each location within your group.

Employers' Liability

A legal requirement for any employer. Covers compensation and legal costs if a member of staff at any of your homes makes a claim for a work-related illness or injury.

Public Liability

Protects your group against claims from residents, visitors, suppliers, or members of the public across all your locations, covering damages and associated legal costs.

Medical Malpractice

An important cover for any health and social care provider. Covers legal expenses and compensation arising from claims of malpractice, neglect, or abuse at any home within your group.

Residents' Effects

Provides cover for the personal possessions of residents and service users across your homes against theft or accidental damage, offering peace of mind to those in your care.

Business Interruption

Replaces lost income if any home within your group is forced to close or reduce capacity following a physical loss or damage event such as fire, flood, or other insured peril.

Commercial Legal Expenses

Provides expert legal advice and representation for your group in circumstances such as employment tribunals, contract disputes, or regulatory investigations affecting any of your homes.

Why Choose Aldium?

Extensive Knowledge

Aldium Insurance has been protecting the care sector for over 25 years. Our dedicated care team understands the operational complexities of running a group of homes and will help identify exactly what protection your organisation needs.

Excellent Customer Service

Group insurance isn't just a once-a-year event. As your portfolio grows or changes, we'll be on hand to update your policy, answer your questions, and ensure your cover always keeps pace with your business.

Competitive Group Pricing

By consolidating your homes under one group policy, we can present your organisation to our panel of insurers in the most favourable light, often securing more competitive premiums than individual site policies would achieve.

Dedicated Claims Support

Should you need to make a claim at any of your homes, our in-house claims manager will be on hand to manage the process on your behalf — minimising disruption and getting your business back on its feet as quickly as possible.

Do I Need Care Home Group Insurance?

If you operate two or more care homes, managing your insurance on a group basis is not only more practical — it can also be significantly more cost-effective. A group policy ensures that every home in your portfolio has consistent, adequate cover in place, reducing the risk of gaps that can arise when individual policies are managed separately.

Care home insurance contains a combination of many common commercial covers, but also includes specialist protections specific to providers of care for the elderly, those with dementia, children, or individuals with disabilities or mental health conditions. These specialist covers are not typically found in standard commercial policies.

As a group operator, your responsibilities to regulators and residents span every site you manage. A group policy can be structured to reflect the specific level of care provided at each location, ensuring you meet your obligations across the board.

It is a statutory requirement to ensure your care business has adequate insurance in place as part of the Care Quality Commission (CQC) standards — CIW in Wales, CI in Scotland. Group operators must ensure every home within their portfolio meets these requirements.

What Our Care Clients Say

Don't take our word for it — here's what care operators say about Aldium Insurance:

★★★★★

Highly recommend their services! Great support and customer service, problem solver oriented. I have only good impressions and words until now. Keep up the good work!

★★★★★

We have utilised the services of Aldium for around three years. The team there have provided us with excellent service, are courteous, efficient and clearly understand the care sector.

★★★★★

I would like to thank Aldium for all the help and attention to detail they have provided during our recent negotiations to bring my care home insurance business back to them.

Get in Touch With Our Care Group Insurance Experts

Call us today or request a quote online — our specialist care team is ready to help.

📞 0151 336 5881 Contact Us

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