Specialist Care Home Insurance for UK Providers
Care home insurance is a specialist type of commercial insurance designed specifically for the unique risks and exposures that residential and nursing care homes face. Standard commercial policies do not provide adequate protection for care home operators — you need cover that is built around your business.
At Aldium, our care specialists will take the time to understand your home and your business needs. With access to market-leading insurers and exclusive care sector schemes, we find you both affordable and comprehensive protection.
Cover can include:
- Buildings and contents cover
- Employers' liability insurance
- Public liability insurance
- Medical malpractice cover/Treatment liability
- Residents' effects protection
- Business interruption insurance
- Commercial legal expenses
- Professional indemnity insurance
Get a Care Home Insurance Quote
Complete the form below and one of our care insurance specialists will be in touch to discuss your requirements.
Or call us: 0151 336 5881
What Does Care Home Insurance Cover?
Your care home policy will contain a number of specialist sections tailored to the risks your home faces. Key covers include:
Buildings CoverCompensates you for the cost of rebuilding, repairing, or reinstating your care home property following damage caused by an insured peril such as fire, flood, or storm. |
Contents CoverCovers your business contents including medicines, vaccines, controlled drugs, furniture, and other fixtures — protecting all the items essential to running your home day to day. |
Employers' LiabilityA legal requirement for any employer. Covers compensation and legal costs if an employee claims for a work-related illness or injury sustained while working at your care home. |
Public LiabilityCovers damages and legal costs arising from claims made against your business by residents, suppliers, visitors, or members of the public connected to your home or its activities. |
Medical MalpracticeAn important cover for health and social care providers. Covers legal expenses and compensation if a claim arising from malpractice, neglect, or abuse is made against your home. |
Residents' EffectsProvides cover for the personal possessions of your residents and service users against theft or accidental damage — offering peace of mind to those living in your care. |
Business InterruptionReplaces income lost if your home is forced to close or reduce capacity following a physical loss or damage event such as fire or flood, keeping your business financially stable. |
Commercial Legal ExpensesProvides expert legal advice and representation for circumstances such as employment tribunals, contract disputes, or regulatory investigations affecting your care home. |
Why Choose Aldium Insurance?
Extensive KnowledgeAldium has been protecting the care sector for over 25 years. Our dedicated care team spends every working day looking after care clients — they will take the time to understand you and your business and identify exactly what protection you need. |
Excellent Customer ServiceCare home insurance isn't just a once-a-year event. Your needs may change or new regulations may be introduced throughout the year. Our team is here to help you with any query — not just at renewal. |
Competitive PricesOnce we understand your needs we approach our full panel of specialist insurers to find the most competitive package for you. We present your home to insurers so they can better understand your business and price accordingly. |
Claims ServiceShould you need to make a claim, our in-house claims manager will be on hand to manage the process on your behalf — minimising disruption and working to resolve your claim as quickly as possible. |
Do I Need Care Home Insurance?
Care home insurance contains a combination of common commercial covers alongside specialist protections specific to care providers. Here are the answers to the questions we're most frequently asked.
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. Standard commercial policies are not suitable for residential care homes as they do not include the specialist covers required.
Is care home insurance a legal requirement?
Employers' Liability insurance is a legal requirement for any care home that employs staff. Beyond this, the CQC requires registered care homes to hold adequate insurance as a condition of registration. Operating without appropriate specialist cover risks both regulatory action and significant uninsured financial exposure.
What makes care home insurance different from standard business insurance?
Care home insurance includes specialist covers not found in standard commercial policies — such as medical malpractice, abuse and mistreatment cover, residents' effects protection, and loss of registration cover. These protections are essential for any provider offering care to the elderly, those with dementia, children, or individuals with disabilities or mental health conditions.
How much does care home insurance cost?
The cost depends on factors including the size of your home, the number of residents and staff, the type of care provided, your claims history, and whether you own or lease your property. As independent brokers we search the market across our full panel of specialist insurers to find the most competitive premium for your specific circumstances. Contact us for a tailored quotation.
Can I insure multiple care homes under one policy?
Yes. If you operate more than one care home we can arrange a group policy covering all of your sites under one programme — simplifying your administration and often delivering better value than individual policies. Visit our Care Home Group Insurance page or contact us to discuss a group quotation.
How quickly can I get a quote?
Once we have the information we need about your home, our team will approach our panel of insurers and aim to come back to you with a competitive quotation within one to two working days. Complete the form at the top of this page or call us on 0151 336 5881 to get started.
What Care Home Owners Say About Us
We are proud to share the positive feedback we receive from our care clients:
|
★★★★★
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. |
