Care Home Insurance
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Why Compare Care Home Insurance Quotes at SimplyQuote.co.uk
Care home insurance protects your residents, staff, and business by connecting you with insurers who understand the specific risks of regulated care environments.
At SimplyQuote, we help you compare tailored policies through our trusted partner, Quotezone.
Whether you manage a nursing home, a dementia unit, or a residential care setting, you’ll need more than a generic commercial policy. Care homes operate under strict regulation, and the risks—ranging from safeguarding incidents to medication errors or staffing claims—require specialist protection.
That’s why our process is built differently. You fill out one smart form, and we match you with FCA-regulated providers who focus on care-sector insurance. Every quote you see is built around your actual setup—your residents, your care model, your compliance responsibilities.
No time wasted on irrelevant policies. No cutting corners on essential protection. Just quotes that help you meet your obligations with confidence and care.
What Do I Need To Get A Quote?
To get a care home insurance quote, you’ll need essential information about your premises, your care services, and the people you employ.
Most of the details are straightforward and can be provided in just a few minutes. Here’s what you’ll typically be asked for:
- Your care home’s address and postcode – So insurers can assess local risks such as flooding, crime rates, or emergency access.
- Type of care provided – Whether you offer residential, nursing, dementia, respite, or supported living care.
- Resident and staff numbers – Including how many individuals you care for and how many employees are involved in care delivery.
- Building or contents value – Depending on whether you own or lease the property, insurers will want rebuild cost or estimated contents value.
- Security and safety features – Fire safety systems, alarms, emergency exits, and other compliance measures may affect your premium.
- Inspection status – Some insurers may request your latest CQC rating, particularly if it’s a regulated facility.
You won’t need to submit documents at this stage—just accurate answers. Once accepted, policy documents are typically sent by email and ready to activate your cover.
Why Do I Need Care Home Insurance Cover?
Care home insurance protects you from the serious financial and legal consequences of claims, accidents, or regulatory breaches involving residents, staff, or your property.
Without specialist cover, a single incident could put your business and reputation at risk.
Caring for vulnerable people comes with responsibility—and risk. If a resident is injured, a staff member alleges unsafe conditions, or essential equipment fails, the fallout can be costly. Even well-run homes face claims related to medication errors, safeguarding issues, or slips and falls. These aren’t hypotheticals—they’re real-world scenarios insurers deal with every day.
Cover isn’t just about what might go wrong—it’s about showing you’ve planned responsibly. Having the right insurance in place supports your regulatory obligations and reassures families that your home takes risk seriously.
Whether you run a residential care home, nursing home, or specialist service, protection is essential. General business insurance won’t do—you need a policy that reflects the complexity, compliance pressures, and day-to-day risks of providing care.
What Types Of Care Homes Are Covered?
Care home insurance can be tailored to suit a wide range of regulated services, including residential homes, nursing care, specialist dementia units, and supported living.
If your setting involves vulnerable individuals and regulated care, there’s cover available to match.
Every care home is different—and so are the risks. A small, privately run residential home won’t require the same protection as a multi-site provider offering round-the-clock nursing. That’s why insurers typically offer flexible policies that adapt to the type of care you provide and the way your business is structured.
Cover is available for:
- Residential care homes
- Nursing homes
- Dementia care units
- Mental health and learning disability services
- Respite and rehabilitation centres
- Supported or semi-independent living
If your facility is regulated by the CQC or equivalent body, and you care for vulnerable people, you’re likely eligible for tailored insurance. You’ll just need to disclose the type of care you deliver when requesting a quote—so insurers can assess risk accurately and recommend the right level of protection.
What Does Care Home Insurance Cover Include?
Care home insurance typically includes cover for your premises, residents, staff, and liabilities—offering protection against the operational risks of delivering regulated care.
The right policy will support you in meeting legal duties and safeguarding responsibilities. Here’s what’s usually included:
- Employers’ liability – A legal requirement if you employ staff. Covers illness, injury, or claims brought by employees.
- Public liability – Protects you if a resident, visitor, or external care provider is injured or harmed on your premises.
- Buildings insurance – If you own the property, this covers damage caused by fire, flood, vandalism, or storms.
- Contents insurance – Covers medical equipment, furniture, IT systems, and everyday items used to run your home.
- Residents’ belongings – Some policies include protection for residents’ personal items while in your care.
- Business interruption – Covers loss of income if your home can’t operate temporarily due to an insured event.
Standard business insurance won’t reflect the risks care providers face. A dedicated care home policy is designed to protect the people, premises, and processes that keep your service running safely.
Can I Add Extras Like Medical Liability Or Legal Expenses Cover?
Yes—many insurers offer optional add-ons for care homes, including medical malpractice, legal expenses, and abuse cover.
These extras provide additional protection for the unique risks that come with delivering regulated, person-centred care.
Most care home insurance policies start with a core package, but add-ons allow you to tailor your cover to the type of service you provide and the specific risks you face. Medical liability, for example, can cover staff administering medication or providing personal care. Abuse cover can protect against allegations of mistreatment—whether proven or not—helping cover legal defence and investigation costs.
Other optional extensions might include:
- Legal expenses – For employment disputes, inspections, or contract disagreements.
- Equipment breakdown – For essential systems like lifts, mobility aids, or refrigeration.
- Loss of registration or licence – To help cover costs if your service is suspended or restricted following a regulatory breach.
- Personal accident cover – For staff injured outside of employer liability circumstances.
The right mix of extras depends on how your home operates and the level of risk you’re exposed to. If you’re unsure, it’s worth asking about specialist care-sector policies during the quote process.
What’s Not Included?
Care home insurance won’t cover every situation—especially if risks are undeclared, regulations are breached, or the policy terms are misunderstood.
Like any insurance, there are exclusions to be aware of before you take out cover. Here are some of the most common exclusions:
- Negligence or poor record-keeping – If care plans aren’t followed or essential documentation is missing.
- General wear and tear – Gradual deterioration of equipment, flooring, or fixtures isn’t classed as an insurable event.
- Unlicensed treatments or therapies – Any service delivered outside your stated registration may void a claim.
- Deliberate breaches of regulation – Such as ignoring CQC safety warnings or knowingly operating with inadequate staffing.
Not all exclusions will apply to every care home, but insurers do expect full disclosure about your services, staffing, and setup. It’s important to understand where the limits are—so you can make an informed decision about the level of cover you need.
How Much Does Care Home Insurance Cost?
Care home insurance typically costs between £1,500 and £6,000 per year, depending on the size of your facility, the type of care you provide, and your claims history.
No two care homes are the same, which is why quotes can vary significantly. Here are the key factors that affect the price:
- Type of care provided – Residential homes tend to be lower risk than nursing or dementia units.
- Number of residents and staff – Larger teams and more service users increase potential liability exposure.
- Property value and security – Higher rebuild costs and limited security can raise your premium.
- CQC rating and compliance record – A strong inspection history may help keep costs down.
- Previous claims – Especially those involving injury, abuse, or safeguarding concerns.
Accurate quotes are based on your real setup—not an industry average. That’s why comparing through simplyquote.co.uk helps you get the right cover at the right price, with no guesswork.
How Can I Save Money On Care Home Insurance?
You can reduce the cost of care home insurance by tailoring your policy, improving risk management, and comparing quotes from specialist insurers.
Premiums reflect the level of risk—so the more proactive you are, the better your pricing is likely to be.
Here are some of the most effective ways to keep costs down:
Provide accurate information
Overestimating rebuild or contents values can lead to overpaying. Insurers price based on declared risk.
Improve safety and security
Fire systems, access control, and staff training can reduce perceived risk and unlock discounts.
Review your claims history
Fewer or lower-value claims usually result in more competitive quotes.
Limit unnecessary add-ons
Don’t pay for extras you don’t need. Focus on relevant cover for your care model.
Use a comparison service
Simplyquote.co.uk, powered by Quotezone, lets you compare multiple care-focused insurers in one place.
Small operational changes—like better documentation, tighter visitor controls, or clearer medication protocols—can influence how your risk is assessed. When it comes to care home insurance, the details matter.
How To Compare Care Home Insurance Quotes Online
You can compare tailored care home insurance quotes quickly and securely using simplyquote.co.uk, in partnership with Quotezone.
The process is straightforward and takes just a few minutes to complete.
Here’s how it works:
- Tell us about your care home – Provide your business name, postcode, and confirm the type of care you deliver—such as residential, nursing, or specialist services.
- Outline your cover needs – Select the areas you want to protect, including buildings, contents, liability, and optional extras like legal expenses or medical liability.
- Review your quotes – We’ll show you quotes from a panel of FCA-regulated insurers who specialise in commercial and care-sector policies.
- Choose your cover – Once you’ve reviewed the options, you can apply online and receive your policy documents by email—often within minutes.
All quotes are matched to your setup. You won’t see irrelevant cover for cafés, salons, or unrelated trades. Just care-focused insurance, made easy.
Frequently Asked Questions
Not all policies are legally required, but employers’ liability insurance is mandatory if you have staff. Other cover—like public liability or malpractice—isn’t required by law, but is often essential for protection and compliance.
Yes. You can insure your business contents, liabilities, and operational risks even if you don’t own the building. The landlord typically insures the structure.
Some policies include cover for residents’ belongings by default, while others offer it as an optional add-on. You’ll need to confirm this when comparing quotes.
A poor inspection may affect your premium or insurer appetite, especially if it relates to safeguarding or staffing. You’ll still be able to find cover, but options may be more limited.
Yes. Some insurers offer multi-location care home insurance. You’ll need to provide separate details for each site, and cover can be tailored accordingly.
Abuse cover isn’t usually included as standard, but it can often be added. It’s important to check whether your policy includes protection for defence costs, investigations, and reputational support.
If they work under your direction and control, they are usually covered under employers’ liability. Always disclose agency usage during the quote process to ensure correct classification.
If your policy includes business interruption cover, you may be protected against income loss following a forced closure due to an insured event. Pandemic-related cover may be more limited.
Written by Chris Richards
Page last reviewed on 1st April 2025 by Chris Richards