Care sector

Care Home Combined Insurance

Care homes usually need a coordinated programme rather than isolated covers because resident welfare, property, staff, malpractice, safeguarding and interruption risks interact.

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Who It Is For

  • Residential care homes
  • Nursing homes and specialist care settings
  • Operators reviewing several covers together

Cover To Review

  • Public liability, employers' liability and malpractice
  • Buildings, contents and business interruption
  • Cyber, legal expenses and management liability
  • Safeguarding, abuse allegation and regulatory exposure

Underwriting Detail

  • Resident profile and regulated activities
  • Staffing, training and agency use
  • Property condition, fire safety and claims history
  • CQC profile, safeguarding controls and incident logs

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Care Home Combined Insurance FAQs

What is care home combined insurance?It is a joined-up review of the main care home covers rather than considering each policy section in isolation.

Does it include medical malpractice?Medical malpractice or treatment liability should be reviewed where resident care, medication or clinical support is involved.

Why does CQC profile matter?Regulatory history, incidents, staffing and governance can affect how insurers view the risk.