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.

• 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.

• 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.

• 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