Care Home Insurance - Comprehensive Coverage for Your Care Home Business

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Protect Your Care Home with Specialist Insurance Cover

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>Care Home Insurance England & Wales - Comprehensive Protection for Care Facilities

Protect your care home with specialized insurance coverage across England and Wales. From Newport to nationwide coverage, Insure24 provides expert care home insurance advice tailored to residential care, nursing homes, and assisted living facilities.

Care Home Insurance Across England & Wales

Based in Newport, Wales, Insure24 serves care home operators throughout England and Wales with comprehensive insurance solutions. Whether you operate a residential care home in Cardiff, a nursing facility in Manchester, or an assisted living complex in Birmingham, we understand the unique risks facing care providers across England and Wales.

Why Choose Insure24 for Care Home Insurance?


  • Care Sector Expertise: Specialized knowledge of care home operations and regulatory requirements
  • England & Wales Coverage: Serving care facilities across England and Wales from our Newport base
  • FCA Regulated: Authorized and regulated by the Financial Conduct Authority (Registration: 1008511)
  • CQC Compliant Coverage: Insurance solutions that meet Care Quality Commission standards
  • 24/7 Claims Support: Dedicated support when incidents occur in your care facility

Professional Indemnity Insurance for Care Homes

Essential protection for care service providers across England and Wales:


  • Care Negligence Claims: Protection against allegations of inadequate care or treatment
  • Medication Error Coverage: Protection for claims arising from medication administration mistakes
  • Care Plan Disputes: Coverage for disagreements over care planning and delivery
  • Regulatory Defense: Support for CQC investigations and regulatory proceedings

Comprehensive protection for visitor and resident safety:


  • Visitor Injury Claims: Coverage for accidents involving family members and visitors
  • Resident Accident Protection: Coverage for slips, trips, and falls within your facility
  • Property Damage Claims: Protection against damage to visitors' or residents' property
  • Food Poisoning Coverage: Protection for claims arising from catering services

Mandatory protection for care home staff across England and Wales:


  • Staff Injury Claims: Coverage for workplace accidents and manual handling injuries
  • Occupational Health Issues: Protection against work-related stress and health conditions
  • Assault Coverage: Protection for staff injured by residents with challenging behaviors
  • Training Liability: Coverage for inadequate training claims

Comprehensive building and contents protection:


  • Buildings Insurance: Coverage for fire, flood, storm damage, and structural repairs
  • Contents Protection: Medical equipment, furniture, and facility contents coverage
  • Business Interruption: Income protection during forced closure or reduced capacity
  • Alternative Accommodation: Temporary resident placement costs during repairs

Cyber Insurance for Care Homes

Modern protection for digital care records and systems:


  • Data Breach Response: Expert support for resident data breaches
  • GDPR Compliance Support: Protection against data protection violations
  • System Recovery: Coverage for IT system restoration and data recovery
  • Regulatory Fines: Protection against ICO penalties and regulatory fines

Specialized Care Home Insurance Solutions

Residential Care Home Insurance

Comprehensive coverage for residential care facilities across England and Wales, including personal care services, accommodation, and daily living support insurance protection.

Nursing Home Insurance

Specialized insurance for nursing homes providing medical care, including coverage for clinical negligence, medication management, and registered nurse supervision.

Dementia Care Insurance

Specialized protection for dementia and Alzheimer's care facilities, covering challenging behavior incidents, wandering risks, and specialized care requirements.

Assisted Living Insurance

Tailored coverage for assisted living facilities, including independent living support, emergency response systems, and community care services.

Respite Care Insurance

Flexible insurance solutions for respite care providers, covering short-term care services and temporary resident placement.

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I just bought an Insure24 care home insurance policy, for my business partner's and me, and saved £1,205 a year! 

Colin Hughes , Hughes Carehome 


  • Specialist knowledge of care home industry risks
  • Competitive premiums from leading UK insurers
  • Fast claims handling to get you back trading quickly
  • 24/7 support when you need it most
  • Flexible payment options to suit your cash flow

Protect Your Care Home Business with Specialist Insurance Coverage

FREQUENTLY ASKED QUESTIONS

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Can I get care home insurance with bad credit or adverse credit history?

Yes, you can obtain care home insurance with adverse credit. We work with specialist care sector insurers across England and Wales who understand that past financial difficulties don't necessarily reflect your current care standards or operational capabilities.

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How does bad credit affect care home insurance premiums?

While credit history may influence pricing, care home insurers typically focus more on your CQC ratings, care standards, staff qualifications, and operational procedures. Your current care quality and compliance record often carry more weight than past financial issues.

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What credit issues need declaring for care home insurance?

You should declare CCJs, defaults, bankruptcy, IVAs, and debt management plans. However, we'll help present your application positively, emphasizing your current CQC ratings, care standards, and operational improvements.

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Can I get care home insurance while in financial difficulty?

Yes, being in an IVA or debt management plan doesn't automatically prevent care home insurance coverage. We work with insurers who assess your current ability to maintain care standards and operational stability.

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Can I get care home insurance if I've had previous claims?

Absolutely. Care home insurers understand that incidents can occur despite excellent care standards. We'll find providers who assess your current risk management, staff training, and any improvements implemented since previous claims.

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How do negligence or care quality claims affect my insurance?

Previous care-related claims are assessed based on circumstances, your response, and improvements made. Insurers look favorably on care homes that have enhanced training, improved procedures, and maintained excellent CQC ratings since any incidents.

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What if I've had multiple claims or CQC issues?

Multiple claims or regulatory issues require careful handling but aren't necessarily prohibitive. We'll work with specialist care home insurers who focus on your current compliance status and operational improvements.

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How do staff-related claims affect care home insurance?

Staff injury or employment-related claims are assessed based on your current HR practices, training programs, and workplace safety measures. Good staff retention and training records help demonstrate improved risk management.

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Can I get care home insurance with criminal convictions?

Criminal convictions don't automatically prevent care home insurance, but they require careful assessment. The care sector has strict regulatory requirements, so convictions are evaluated based on nature, recency, and relevance to care provision.

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How do DBS-related issues affect care home insurance?

DBS (Disclosure and Barring Service) issues are taken seriously in care home insurance. However, we work with insurers who understand rehabilitation and focus on current compliance with safeguarding requirements and CQC standards.

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What about financial crime convictions for care home operators?

Financial crime convictions require specialist handling but don't automatically prevent coverage. We'll work with care sector insurers who assess your current regulatory compliance and operational transparency.

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Do I need to declare staff convictions for care home insurance?

Yes, significant staff convictions, particularly those affecting their ability to work in care, should be declared. We'll help you demonstrate robust recruitment and safeguarding procedures.

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What if my care home has had CQC enforcement action?

CQC enforcement action doesn't automatically prevent insurance coverage if you've addressed the underlying issues. We'll work with insurers who focus on your current compliance status and improvement plans.

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Can I get insurance if my CQC rating is 'Requires Improvement' or 'Inadequate'?

Yes, lower CQC ratings don't prevent insurance coverage, though they may affect terms. We'll find insurers who work with care homes during improvement periods and focus on your action plans.

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How do safeguarding issues affect care home insurance?

Safeguarding concerns are assessed based on your response, improvements made, and current safeguarding procedures. Strong policies and staff training help demonstrate your commitment to resident protection.

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What areas of England and Wales do you cover for care home insurance?

Based in Newport, Wales, we provide care home insurance coverage throughout England and Wales. Our network of specialist care sector insurers ensures appropriate coverage regardless of your facility location.

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What's included in care home professional indemnity insurance?

Care home professional indemnity covers negligence claims, medication errors, care planning disputes, and regulatory defense costs. It's essential protection for all care service providers across England and Wales.

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Do I need separate insurance for different care services?

Coverage can often be combined, but different care types (residential, nursing, dementia) may need specific provisions. We'll assess your services and recommend appropriate coverage levels.

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How quickly can I get care home insurance quotes?

Care home insurance requires detailed assessment due to regulatory requirements. We typically provide initial quotes within 24-48 hours, with full proposals following site visits or detailed questionnaires.

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What documentation do I need for care home insurance applications?

You'll need CQC registration details, recent inspection reports, staff qualification records, policies and procedures, and financial information. We'll guide you through specific requirements.