ALDIUM Insurance
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Property Owners Insurance
Care Property Insurance
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Get a Care Property Insurance QuoteComplete the form — a care sector specialist will be in touch promptly. |
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Why It Is Different
Why Care Property Insurance Is a Specialist ClassA property used as a care home, children's home or supported living facility presents risks that standard property insurers are not equipped to assess or underwrite. Even if you are only insuring the building — not the care operation — the fact that vulnerable people occupy the premises affects how insurers view the risk. Most standard commercial property insurers will simply decline to quote. Aldium Insurance has extensive experience in the care sector, arranging insurance for care operators across all settings. This means we understand care property risks from the inside — the regulatory environment, the occupancy profile, the fire safety requirements, the maintenance obligations and the liability exposures — and we have established relationships with specialist insurers who have the appetite and expertise to underwrite them. Whether you own a single care home that you let to an operator, or a portfolio of supported living properties let to a housing association or care provider, we can arrange appropriate buildings and property owners insurance at competitive terms. |
Who This Page Is For
“This page is for landlords and property investors who own buildings used for care purposes — care homes, children's homes, supported living, step-down facilities and similar — and need specialist buildings or property owners insurance arranged by a broker who understands the sector.” |
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Independent Broker
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Specialist Care Insurer Access
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Dedicated Account Handler
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Claims Support
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Care HomesResidential care homes for elderly residents or adults with physical disabilities, learning disabilities or mental health needs. Typically larger properties with adapted layouts, fire compartmentalisation and specialist facilities. Residential care |
Children's HomesRegistered children's homes providing residential care for looked-after children. Ofsted-registered settings with specific building and safety requirements that most standard insurers are not equipped to assess. Children's services |
Supported Living PropertiesDomestic-style properties let to housing associations or care providers for use as supported living settings. Individual houses or adapted properties where residents live independently with care support provided separately. Supported living |
Step-Down & TransitionalProperties used for step-down care, transitional housing or short-term residential support — including properties leased to NHS trusts, local authorities or third-sector care providers on short or long-term arrangements. Transitional care |
Mental Health PropertiesProperties used for mental health residential care, crisis housing or supported recovery settings. These carry specific risk considerations that specialist insurers with care sector appetite are best placed to assess. Mental health |
Domiciliary Care BuildingsOffice premises and administrative buildings used by domiciliary care providers. May combine office, training and operational functions — requiring property owners cover appropriate for a care sector occupant. Care operations |
Care Property PortfoliosMultiple care sector properties — care homes, supported living and children's homes — under one ownership. We structure portfolio policies for landlords with several care properties, achieving better terms than individual policies. Portfolio |
Vacant Care PropertiesCare sector buildings between tenants or awaiting registration. Vacancy adds further complexity to an already specialist risk — we access markets that will cover unoccupied care properties where standard unoccupied insurers will not. Vacant |
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What We Cover
Key Covers for Care Property OwnersAs a landlord who owns a care sector property, your insurance needs depend on what you own and your relationship with the operator. The table below outlines the typical covers we arrange for care property landlords.
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Why Aldium
Why Choose Aldium?Care Sector Expertise. Specialist Insurer Access.We understand care — Aldium has extensive experience arranging insurance across the care sector, including care operators, care operators' fleets, domiciliary care and care property landlords.
Specialist insurer access — we have established relationships with insurers who have genuine appetite for care sector property risks, where standard markets decline.
Buildings only or full programme — whether you need buildings insurance only or a full property owners programme, we structure the right solution.
Lease review included — we review your lease with the care operator to ensure the policy meets your contractual obligations.
Portfolio experience — we regularly arrange cover for landlords with multiple care properties across different settings and operators.
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Why can't I just use a standard commercial landlord policy?Most standard commercial property insurers will decline to quote when the property is used for care purposes. This is because the occupancy profile — vulnerable residents, registered care settings, high fire safety obligations — creates risks that general property underwriters are not trained or willing to assess. Specialist care sector insurer access is essential. |
I only want to insure the building — do I still need a care specialist?Yes. Even if you are only insuring the buildings and property owners liability, the fact that the property is used as a care setting is a material fact that must be disclosed to any insurer. Failing to disclose this could void your policy. Standard property insurers will either decline or exclude care sector occupancy. We access insurers who accept this risk. |
The care operator has their own insurance — is that enough?No. The operator's insurance covers their liabilities and the care operation. It does not cover your interest as the property owner — the building, your property owners liability and your rental income. You need separate buildings and property owners insurance as the landlord, regardless of what the operator holds. |
Can you cover supported living properties let to housing associations?Yes. Supported living properties let to registered providers, housing associations or care providers are a common type of care property investment we insure. The tenancy structure and the care setting both need to be correctly disclosed and reflected in the policy wording. We review the lease and advise on the appropriate cover structure. |
Can you insure a portfolio of care properties?Yes. We regularly arrange portfolio policies for landlords owning multiple care sector properties — care homes, children's homes and supported living properties — under one programme. A portfolio policy typically achieves better terms than individual policies and significantly simplifies administration across a mixed care property portfolio. |
What if the property is vacant between care operators?Vacancy in a care property is a particularly specialist risk — very few standard unoccupied property insurers will touch a building last used as a care home or children's home. We have access to markets that will provide unoccupied cover for vacant care sector properties, including those awaiting re-registration or a new operator. |
If you own a property used for care purposes and are struggling to find an insurer willing to quote, speak to us. Our care sector expertise and specialist insurer relationships mean we can find solutions where others cannot.
| Get a Care Property Quote | Call 0151 336 5881 |
| Independent Broker | FCA Regulated | Care Sector Specialists | Specialist Insurer Access | UK Based Team | Claims Support |
