Care Homes Insurance
Protect your care home from resident injury claims, regulatory issues and staff-related incidents with cover designed for residential care providers.
Get in touchWhat is care homes insurance?
Care homes insurance is a comprehensive policy that protects residential care businesses from the complex risks of looking after vulnerable residents around the clock. It typically includes public liability, employers liability, buildings and contents, and professional indemnity.
Care homes face a wide range of risks, from resident falls and medication errors to abuse allegations and regulatory compliance issues. The right insurance covers claims from all of these scenarios.
Find cover options from specialist insurers who specialise in the care sector, ensuring your cover reflects the type of care you provide and the number of beds in your home.
Public Liability
Covers claims from residents, visitors and third parties for injury or property damage.
Employers Liability
Required by law, covering injury and illness claims from your care staff.
Buildings and Contents
Covers your care home building, fixtures, fittings and residents' communal areas.
Professional Indemnity
Covers claims arising from care decisions, medication management or treatment errors.
Who needs care homes insurance?
Residential care homes
Providing accommodation and personal care for elderly residents
Nursing homes
Providing nursing care alongside residential accommodation
Dementia care homes
Specialising in care for residents with dementia
Learning disability homes
Providing residential care for adults with learning disabilities
Children's care homes
Operating residential care for children and young people
WHY CECIL
Built differently.
Specialist care sector cover
Care homes face unique risks not found in other businesses. Cecil works with insurers who specialise in the care sector and understand your regulatory environment.
Abuse allegation defence
Allegations of abuse can be devastating for a care home. Cecil ensures your policy includes cover for defending these claims.
Buildings cover for care environments
Care home buildings require specialist cover that accounts for the 24-hour occupied nature of the premises. Cecil finds appropriate property cover.
Competitive quotes from care insurers
Get options from specialist insurers to find care home insurance from specialist providers who understand bed numbers, staffing ratios and care types.
Common questions about care homes insurance
Do care homes need public liability insurance?
Yes, public liability is essential for care homes. Residents and visitors can be injured on your premises, and claims from vulnerable adults can be substantial.
Does care home insurance cover abuse allegations?
Yes, most specialist care home policies include cover for defending abuse allegations, including legal costs and investigation expenses.
What level of public liability do care homes need?
Most care homes carry between £5m and £10m of public liability cover. Commissioners and local authorities may specify minimum levels.
Does care home insurance cover medication errors?
Yes, professional indemnity covers claims arising from medication management errors, including incorrect administration or failure to follow prescribing instructions.
Do care homes need buildings insurance?
Yes, buildings insurance is essential for care home operators. It covers the cost of repairing or rebuilding your premises after fire, flood or other insured events.
Interested in Care Homes insurance?
We will be in contact when Cecil launches.