• Resident Data Breach Response - Comprehensive support for breaches involving medical records, personal information, and safeguarding data
• Care Continuity Protection - Business interruption coverage ensuring you can maintain resident care during system outages
• Ransomware and Extortion - Coverage for ransom payments, negotiation, and system restoration to minimize care disruption
• CQC and ICO Compliance - Support for regulatory investigations, fines, and compliance requirements
• Medical Device Security - Protection for connected medical equipment and monitoring systems
• Third-Party Liability - Coverage for claims from residents, families, and healthcare partners affected by your breach

• Medical records and care plans
• Medication schedules and allergies
• Financial and payment information
• Next of kin and family contact details
• Safeguarding and DOLS documentation
• Mental capacity assessments
• Personal care preferences and histories

• CQC fundamental standards breaches
• GDPR and data protection violations
• ICO investigation and enforcement
• Duty of candour requirements
• Safeguarding notification obligations
• Local authority contract compliance

Ransomware attacks on care homes can lock staff out of critical care management systems, preventing access to medication schedules, care plans, and resident monitoring. Attackers know that care homes cannot afford prolonged downtime when resident safety is at stake, making them prime targets for extortion.

• Encryption of care management software
• Loss of access to medication records
• Inability to document care delivery
• Threats to publish sensitive resident data

With high staff turnover and varying levels of digital literacy, care homes face risks from accidental data breaches and insider threats. Staff may inadvertently share passwords, access unauthorized records, or fall victim to social engineering.

• Unauthorized access to resident records
• Accidental data sharing with wrong recipients
• Use of personal devices for work purposes
• Weak password practices

• Ransom payments: £15,000 - £250,000
• Forensic investigation: £8,000 - £40,000
• System restoration and data recovery: £20,000 - £150,000
• Resident and family notification: £5,000 - £30,000
• Credit monitoring for affected residents: £3,000 - £20,000
• Legal and regulatory defence: £15,000 - £100,000
• ICO fines: Up to £17.5 million or 4% of turnover
• CQC enforcement action costs

Cyber incidents can breach multiple CQC fundamental standards, particularly around safety, governance, and information management. Our insurance supports compliance and response.

• Regulation 12: Safe care and treatment
• Regulation 13: Safeguarding service users
• Regulation 17: Good governance
• Regulation 20: Duty of candour
• Support for CQC notifications and investigations
• Evidence preparation for inspections

• Support for contract compliance requirements
• Incident reporting to commissioning authorities
• Evidence of cyber security measures
• Business continuity demonstration

Situation: A family-run residential care home was hit by ransomware that encrypted their care management system, locking staff out of medication records, care plans, and resident monitoring systems.

Impact: Staff reverted to paper records, creating significant safety risks and workload pressure. Recovery costs would have exceeded £120,000, with potential CQC enforcement action.

Resolution: Cyber insurance covered ransom negotiation, forensic investigation, system restoration, and temporary manual processes. The home resumed normal operations within 36 hours with no resident harm. Insurance also covered CQC notification support and regulatory compliance assistance.

Situation: A care home manager fell victim to a phishing email impersonating a supplier, resulting in a fraudulent payment of £35,000 and potential access to resident financial information.

Impact: Financial loss, potential data breach, and safeguarding concerns requiring investigation and notification.

Resolution: Cyber insurance covered the fraudulent transfer loss, forensic investigation to determine data exposure, resident notification, and staff training to prevent future incidents.

• Install and maintain firewalls and antivirus software
• Implement multi-factor authentication for all systems
• Encrypt resident data at rest and in transit
• Conduct regular automated backups stored offline
• Keep all software and systems patched and updated
• Segment networks to isolate care systems
• Secure medical devices and monitoring equipment
• Implement strong password policies

• Vet third-party software providers for security
• Review data processing agreements
• Ensure vendors have cyber insurance
• Regular vendor security assessments
• Incident notification requirements in contracts

Ideal for: Independent care homes with 10-30 beds

• Data breach response (up to £250,000)
• Cyber liability (up to £500,000)
• Business interruption (up to £100,000)
• Ransomware coverage (up to £150,000)
• Regulatory compliance support
• 24/7 incident hotline

Ideal for: Multi-site operators and care home chains

• Data breach response (up to £2,000,000)
• Cyber liability (up to £10,000,000)
• Business interruption (up to £2,000,000)
• Ransomware coverage (up to £1,000,000)
• Multi-site incident coordination
• Dedicated cyber risk consultant
• Group-wide security assessments
• Crisis management and PR support

• Care Sector Expertise - We understand the unique challenges facing care homes and the regulatory landscape
• Resident-Focused Response - Our incident response prioritizes resident safety and care continuity
• CQC and ICO Specialists - Dedicated support for regulatory compliance and investigations
• 24/7 Emergency Support - Round-the-clock assistance when cyber incidents threaten care delivery
• No-Blame Culture - We support your team through incidents without judgment
• Preventative Resources - Free security assessments, staff training materials, and best practice guidance
• Fast Claims Processing - Priority handling for care homes to minimize disruption
• Competitive Pricing - Affordable premiums designed for care home budgets

• 1. Request a Quote - Contact us with details about your care home including bed capacity, care type, and current security measures
• 2. Risk Assessment - We conduct a brief assessment of your cyber risk profile and regulatory requirements
• 3. Tailored Proposal - Receive a customized quote with coverage recommendations specific to your care home
• 4. Policy Customization - Adjust coverage limits and add optional protections based on your needs and budget
• 5. Activate Coverage - Complete your purchase and receive immediate coverage with 24/7 incident support access
• 6. Ongoing Support - Access free security resources, training materials, and annual policy reviews