UK Care Home Insurance Report 2026

• CQC State of Care 2024/25 reported that new requests for local authority-funded adult social care were 4% higher in 2023/24 than the previous year and 8% higher than in 2019/20.
• CQC State of Care 2024/25 said care-home staff vacancies were just under 5% in 2024/25 and care-home staff turnover was 25%, while homecare vacancy rates in March 2025 were just over 10%.
• Skills for Care 2025 workforce report estimated 50,000 international recruits into adult social care in 2024/25, down from 105,000 in 2023/24, increasing the importance of staffing resilience evidence.
• ONS social care statistics records 126,488 registered deaths of care home residents in England in 2022 and 6,844 in Wales, underlining the resident vulnerability profile behind severe claims.
• HSE 2024/25 health and safety statistics reported 40.1 million working days lost in Great Britain due to work-related illness and workplace injury in 2024/25, plus GBP 22.9 billion estimated costs for 2023/24 conditions.
• GOV.UK fire and rescue incident statistics, year ending December 2024 provides official England fire, casualty, false alarm and non-fire incident data used to benchmark property, evacuation and business interruption risk.
• ICO data security incident trends warns that ICO incident data only covers incidents discovered and reported to the ICO, so cyber trends should be treated as directional rather than complete.
• ICO Advanced ransomware statement said 82,946 people were affected by exfiltration after a health and care software ransomware incident, showing why supplier cyber dependency matters.

• Create a board-level claims dashboard by cause, site, reserve, paid amount, lesson learned and control owner.
• Audit the top claim causes quarterly and document changes to staffing, care plans, premises or training.
• Notify insurers early where regulator, safeguarding, family or media dimensions could develop.
• Use renewal meetings to show trend improvement, not just to ask for cheaper terms.

• Build a renewal pack 90 days before renewal with claims, CQC, staffing, property and continuity evidence.
• Update sums insured, business interruption assumptions and resident relocation planning annually.
• Review malpractice, abuse, cyber and legal expenses wording with a care-sector broker.
• Use the Insure24 care-home claims library to benchmark prevention work by scenario.

• Use aggregated Insure24 quote and enquiry records linked to care-services questionnaires.
• Apply a minimum sample threshold before publication and keep raw records internal.
• Separate enquiry trends from claims trends unless a verified claims dataset is available.
• State that the figures are broker enquiry observations, not an official UK market premium index.

• Abuse allegation trends, safeguarding governance and crisis-response expectations.
• Cyber risks linked to resident records, digital care platforms and ransomware.
• Business interruption resilience after closure, outbreak, fire, flood or software failure.
• Future outlook for care-home premiums, capacity and risk management.

• A well-run 20-bed home with stable staffing can present better than a larger operator with weak records or repeated incidents.
• Higher dependency, nursing care, dementia care, poor inspection outcomes or frequent agency use can increase insurer scrutiny.
• Clear documentation helps defend claims, which can matter as much as preventing incidents in the first place.
• The strongest submissions explain current controls and improvement actions rather than hiding difficult operational history.

• It is not an official UK care-home premium index.
• It is not a guarantee that every insurer will price or underwrite a risk in the same way.
• It is not a substitute for a site-specific quote, policy wording review or claims notification.
• It is not a publication of client-level claims, quote or personal data.

• Clear evidence of completed improvement actions following CQC, claims or complaints.
• Board-level claims review that tracks cause, reserve, paid amount, remedial action and control owner.
• Accurate property values, realistic interruption assumptions and tested resident relocation plans.
• Cyber controls and supplier-mapping evidence that show the operator understands digital care continuity.

• Track both claim count and claim quality: cause, severity, evidence, reserve, paid amount, open status and lesson learned.
• Compare claims against CQC themes and complaints so patterns are not missed.
• Record what changed after the incident and how management checks the change remains in place.
• Use anonymised claim scenarios for training, board reporting and renewal evidence.

• Nominate an owner for renewal evidence 90 days before renewal.
• Create a site-level risk pack covering CQC, claims, staffing, property, cyber and continuity.
• Review policy wording against the claims library, not only against last year's schedule.
• Update the annual statistics and proprietary insight workflow before refreshing PR assets.

• Clean claims narrative with documented remedial action and trend improvement.
• Strong CQC position or credible evidence of completed improvement actions.
• Accurate sums insured, realistic interruption periods and clear continuity plans.
• Cyber controls, backup testing, MFA and supplier risk management.

• Check abuse allegation wording, exclusions, sub-limits, defence costs and notification conditions.
• Document safer recruitment, DBS checks, supervision, whistleblowing and safeguarding escalation.
• Train managers to preserve evidence and notify insurers early when allegations are serious.
• Review crisis communication, family engagement and regulator liaison before an event occurs.

• Review cyber limits, business interruption, supplier dependency and incident response wording.
• Use MFA, backup testing, access reviews and staff phishing training as underwriting evidence.
• Map critical software suppliers and create downtime procedures for care records and medication information.
• Tie cyber planning into the wider business continuity plan, not a separate IT-only document.

• Decide whether limits remain adequate for liability, malpractice, abuse, cyber, interruption, D&O and legal expenses.
• Update values and indemnity periods before approaching insurers.
• Prepare a narrative explaining improvements, not just a spreadsheet of exposures.
• Use the statistics hub and claims library as evidence prompts for the renewal pack.

• Prepare a clean schedule of sites, beds, services, wage roll, turnover, claims and regulator outcomes.
• Explain recent improvements in staffing, training, falls prevention, medication controls, safeguarding and fire safety.
• Show how business continuity would work after fire, flood, outbreak, cyber incident or temporary closure.
• Separate historic problems from the current operating position with evidence, dates and actions completed.

• Resident falls claims
• Medication error claims
• Abuse allegation claims
• Infection outbreak claims

• High premiums are common in the care sector because severe injury, abuse allegation, medication, fire, interruption and regulatory claims can be expensive to defend.
• Small residential providers, 20-bed homes, 50-bed nursing homes and multi-site groups are priced differently because severity and management complexity change.
• Insurers may ask detailed questions about CQC ratings, staffing, training, falls prevention, medication audits, safeguarding and continuity planning.
• The cheapest quote is rarely the best benchmark unless the wording has been checked for malpractice, abuse allegations, legal expenses, interruption and exclusions.

GBP 35,000 to GBP 250,000+ depending on injury severity

A resident falls during transfer or while unsupervised. Insurers look at the care plan, falls assessment, staffing level, equipment records and incident response before deciding how uk care home insurance report 2026 cover should respond.

Defence costs plus compensation where negligence is established

A family alleges that an error in medication, hydration, nutrition or monitoring worsened a resident's condition. The policy response depends on the liability wording and whether uk care home insurance report 2026 includes medical malpractice or care-related negligence.

Repairs, resident relocation costs and lost income exposure

A premises or compliance incident interrupts trading. A strong uk care home insurance report 2026 programme considers property damage, business interruption, crisis management and continuity planning together.

• Care Home Insurance
• What Insurance Does A Care Home Need?
• How Much Does Care Home Insurance Cost?
• How CQC Ratings Impact Care Home Insurance
• Medical Malpractice Insurance
• Common Care Home Insurance Claims
• Care Home Insurance Claims Library
• Care Home Statistics Hub

• Medical Malpractice for Domiciliary Care
• Domiciliary Care Claims Library
• UK Domiciliary Care Statistics
• UK Domiciliary Care Insurance Report 2026