ALDIUM Insurance
Specialist insurance for children's care homes and residential childcare providers across the UK — comprehensive, Ofsted-aware cover protecting your home, your staff, and the young people in your care.
Children's care home insurance is a specialist insurance package designed specifically for providers of residential care for children and young people in the UK. Whether you operate a small registered children's home, a therapeutic community, a semi-independent living provision, or a multi-site residential childcare organisation, your risks are distinct — and they require cover that is built around them.
Children's care homes face a unique combination of liabilities that standard commercial insurance policies are not equipped to handle. From safeguarding-related allegations and abuse claims, to the physical and behavioural risks of caring for young people with complex needs, the exposure is significant. Getting the right specialist children's care home insurance in place is both a regulatory requirement under Ofsted and the CQC, and a critical protection for your organisation.
At Aldium Insurance, our specialist care team has over 25 years of experience working with children's residential care providers across the UK. We take the time to understand your specific home before approaching our panel of specialist insurers — ensuring your policy provides the right protection at a competitive price.
Children's care home insurance can include:
Speak to a specialist now — we're ready to help:
📞 0151 336 5881Complete the form and one of our children's care home insurance specialists will be in touch to search the market and find the right policy for your home.
Children's care home insurance goes significantly beyond a standard commercial policy. Your cover is tailored to include the specialist protections that registered children's homes require covers available are below but please check your policy documents for your covers:
Buildings CoverCovers the cost of repairing or rebuilding your children's care home following damage from fire, flood, storm, or other insured perils — ensuring you can continue to provide safe, stable accommodation. |
Contents CoverProtects your business contents including furniture, specialist equipment, and day-to-day items used in the running of your children's home against theft, loss, or accidental damage. |
Employers' LiabilityA legal requirement for all employers. Covers compensation and legal costs if a member of your care or support staff makes a claim for a work-related injury or illness sustained at your home. |
Public LiabilityCovers claims from third parties — including families, visitors, and members of the public — for injury or property damage connected to your children's care home or its activities. |
Abuse & Mistreatment CoverOne of the most critical covers for any children's care home. Provides protection against allegations of physical, emotional, or sexual abuse — covering legal defence costs and compensation even where allegations are unsubstantiated or malicious. |
Professional IndemnityCovers claims alleging negligence, errors, or omissions in the care, support, or therapeutic services provided to young people in your home — including SEND provision and behavioural interventions. |
Young Persons' EffectsProtects the personal belongings of the young people living in your care home against theft, loss, or accidental damage — an important provision for looked-after children in your care. |
Business InterruptionCompensates your organisation for lost income and additional costs if your home is forced to close or reduce capacity following a major insured event, maintaining financial stability during recovery. |
Medical MalpracticeCovers legal costs and compensation arising from claims of clinical negligence or malpractice in the delivery of health-related care or therapeutic services to young people in your home. |
Crisis ManagementProvides specialist PR, legal, and communications support in the event of a serious incident or reputational crisis — protecting your organisation's standing and helping you respond effectively. |
Commercial Legal ExpensesCovers expert legal representation in employment disputes, regulatory investigations, Ofsted-related proceedings, or other legal matters affecting your children's care home. |
Property Owners' LiabilityIf you own the premises from which your children's care home operates, this cover protects you as a property owner against liability claims arising from the condition or management of the building. |
25+ Years Care ExpertiseWe have been protecting children's care homes across the UK for over 25 years. Our team understands Ofsted registration requirements, CQC standards, and the complex liability landscape specific to residential childcare. |
Specialist Insurer AccessChildren's care home insurance is a specialist niche. We work with a carefully selected panel of insurers who understand the sector and can provide the depth of cover — including abuse and safeguarding liability — that your home requires. |
No Coverage GapsStandard care policies often exclude or under-insure the key risks specific to children's homes. We build your policy from the ground up to ensure every exposure — particularly safeguarding and abuse cover — is properly addressed. |
Ongoing SupportOfsted inspections, staffing changes, and regulatory developments can all affect your insurance needs. Our team is available throughout the year — not just at renewal — to keep your cover aligned with your operation. |
Common questions about children's care home insurance answered by our specialist team.
What is children's care home insurance?
Children's care home insurance is a specialist insurance package designed for registered providers of residential care for children and young people. It combines standard commercial covers such as buildings and employers' liability with specialist protections unique to children's residential care — including abuse and mistreatment cover, safeguarding-related liability, and crisis management support. Standard commercial policies are not suitable for children's care homes and typically exclude the most critical covers your home needs.
Is children's care home insurance a legal requirement?
Employers' Liability insurance is a legal requirement for any children's care home that employs staff. Beyond this, Ofsted requires all registered children's homes to hold adequate insurance as a condition of their registration under the Children's Homes (England) Regulations 2015. Operating without adequate specialist cover risks both regulatory action from Ofsted and significant uninsured exposure in the event of a claim or allegation.
Does children's care home insurance cover abuse allegations?
Yes — abuse and mistreatment cover is one of the most essential elements of a specialist children's care home policy. It protects your organisation against allegations of physical, emotional, psychological, or sexual abuse made by or on behalf of young people in your care. Critically, this cover applies even where allegations are unsubstantiated or malicious, covering your legal defence costs and any resulting compensation. This cover is not included in standard commercial policies, which is why working with a specialist broker like Aldium is so important.
Our children's care home insurance team is available now. Call us for an immediate conversation or request a quote online.
Can I insure multiple children's care homes under one policy?
Yes. If you operate more than one children's care home, we can arrange a group policy that covers all of your homes under a single programme. This simplifies your administration, aligns your renewal dates, and can deliver better value than managing individual policies for each home. Contact our team to discuss a group quotation for your organisation.
Does the policy cover semi-independent living for young people aged 16 to 25?
Yes. We can arrange cover for semi-independent and transitional living provisions for older young people — including care leavers and those in supported accommodation. The cover required for semi-independent settings differs from registered children's homes, and we will tailor your policy to accurately reflect the level of support and oversight your provision delivers.
How much does children's care home insurance cost?
The cost depends on factors including the number of young people in your care, their ages and needs, the number and type of staff, your property details, your Ofsted registration status, and your claims history. As independent brokers we search the market across our full panel of specialist insurers to find the most competitive premium for your specific circumstances. Call us on 0151 336 5881 or complete the form at the top of this page to get started.
Here's what care operators across the UK say about Aldium Insurance:
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★★★★★
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. |
