Nursing Home Insurance - Comprehensive Coverage for Care Facilities

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Protect Your Nursing Home with Specialist Insurance Cover

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Nursing Home Insurance - Comprehensive Coverage for Your Care Facility

Protect Your Care Home with Specialist Insurance Cover

Running a nursing home involves unique risks that standard commercial insurance simply can't cover. From resident care liability to specialized medical equipment, your care facility needs comprehensive nursing home insurance designed specifically for the healthcare sector.

At Insure24, we understand the complex challenges care home operators face. Our specialist nursing home insurance policies protect everything from your premises and equipment to your professional reputation and financial stability.

Why Do Nursing Homes Need Specialist Insurance?

Care homes face specific risks that make standard commercial insurance inadequate:

Why Choose Insure24 for Care Home Insurance?

  • Professional liability for care standards and medical negligence claims
  • Resident accidents from falls, medication errors, or equipment failures
  • Regulatory compliance issues with CQC inspections and standards
  • Staff-related claims including abuse allegations and employment disputes
  • Property damage from residents with dementia or challenging behaviors
  • Business interruption from infectious disease outbreaks or regulatory closure
  • Cyber risks from patient data breaches and electronic health records
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Our Nursing Home Insurance Coverage Options

Commercial Combined Insurance for Care Homes

Our comprehensive nursing home insurance package includes:

  • Buildings insurance for your care facility premises
  • Contents insurance covering medical equipment, furniture, and resident belongings
  • Business interruption to cover lost income during closure or reduced capacity
  • Public liability up to £6 million for resident and visitor accidents
  • Employers liability for staff injury claims
  • Professional indemnity for care standard disputes
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Care Home Professional Indemnity Insurance

Essential coverage for:

  • Clinical negligence claims
  • Medication administration errors
  • Care plan disputes
  • Safeguarding allegations
  • Regulatory investigation costs
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Cyber Insurance for Care Homes

Protects against:

  • Patient data breaches
  • Ransomware attacks on care management systems
  • GDPR compliance failures
  • Electronic health record theft
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What's Covered Under Nursing Home Insurance?

Property and Equipment

  • 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:

  • Care home buildings and extensions
  • Medical equipment and mobility aids
  • Furniture, fixtures, and fittings
  • Resident personal belongings
  • Kitchen and laundry equipment
  • IT systems and care management software
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What's Covered Under Nursing Home Insurance?

Property and Equipment

  • 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

Business Interruption

  • Lost fees during closure or reduced capacity
  • Ongoing expenses like staff wages and utilities
  • Alternative accommodation costs for residents
  • Increased working expenses
  • Loss of registration income

Liability Protection

  • Resident injury claims from falls or accidents
  • Medication errors and clinical negligence
  • Abuse allegations and safeguarding issues
  • Visitor accidents on premises
  • Food poisoning incidents
  • Regulatory investigation costs
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Common Nursing Home Insurance Claims

Property and Equipment

Resident Fall Incident

Elderly resident falls due to wet floor, resulting in hip fracture - medical costs and compensation reach £45,000.

Medication Error

Wrong dosage administered causing adverse reaction - legal costs and compensation total £35,000.

Fire Damage

Kitchen fire forces temporary closure and resident relocation - total claim including lost income £180,000.

Data Breach

Cyber attack exposes 200 resident records - GDPR fines and remediation costs £25,000.

Abuse Allegation

Staff member accused of resident mistreatment - legal defense and investigation costs £40,000.

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Nursing Home Insurance Costs

Nursing home insurance typically costs between £3,000-£15,000 annually, depending on:

  • Number of beds and resident capacity
  • Types of care provided (residential, nursing, dementia)
  • Staff numbers and qualifications
  • Building age and security measures
  • Claims history and risk management

Factors that can reduce your premiums:

  • CQC 'Good' or 'Outstanding' ratings
  • Comprehensive staff training programs
  • Modern fire safety and security systems
  • Robust safeguarding policies
  • Regular risk assessments and audits
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Regulatory Compliance Support

Our nursing home insurance includes:

  • CQC investigation costs - legal representation during inspections
  • Regulatory defense - support with compliance issues
  • Crisis management - PR support during incidents
  • Legal helpline - 24/7 access to specialist care home lawyers
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Specialist Care Home Covers

Dementia Care Insurance

Additional protection for:

  • Wandering resident incidents
  • Behavioral-related property damage
  • Specialized security equipment
  • Staff training and support costs

Respite Care Coverage

For facilities offering short-term care:

  • Flexible capacity adjustments
  • Temporary resident liability
  • Equipment sharing arrangements

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Don't let inadequate insurance put your care facility at risk. Our specialist nursing home insurance policies are designed specifically for the unique challenges you face in providing quality care.

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

Colin Jeffers , Hughes Carehome 

Why Choose Insure24 for Your Nursing Home Insurance?

  • Healthcare sector expertise - deep understanding of care home risks
  • Competitive premiums from leading UK insurers
  • Fast claims handling with specialist care home adjusters
  • 24/7 support for emergencies and incidents
  • Regulatory support including CQC investigation assistance
  • Flexible payment options to suit your cash flow
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Protect Your Nursing Home Business with Specialist Insurance Coverage

FREQUENTLY ASKED QUESTIONS

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What makes nursing home insurance different from standard business insurance?

Nursing home insurance is specifically designed for healthcare facilities providing residential care. It covers professional liability for care standards, specialized medical equipment, regulatory compliance costs, and the unique risks of caring for vulnerable residents that standard business insurance excludes.

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Do you cover professional negligence claims?

Yes, our nursing home insurance includes comprehensive professional indemnity coverage for clinical negligence, medication errors, care plan disputes, and safeguarding allegations. This includes legal defense costs and compensation claims.

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What happens if CQC closes our facility?

Our business interruption cover includes regulatory closure protection. This covers lost income, ongoing expenses like staff wages, and costs of relocating residents to alternative care facilities during closure periods.

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Are resident accidents covered?

Yes, our public liability coverage protects against resident injury claims including falls, medication errors, equipment-related accidents, and incidents involving residents with dementia or challenging behaviors.

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Do you cover cyber attacks on patient records?

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Our cyber insurance covers data breaches, ransomware attacks on care management systems, GDPR compliance failures, and the costs of notifying residents and families about data security incidents.

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What about abuse allegations against staff?

Yes, we cover legal defense costs for abuse allegations, safeguarding investigations, and employment tribunal claims. This includes crisis management support and reputation protection services.

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How much does nursing home insurance cost?

Costs typically range from £3,000-£15,000 annually depending on bed capacity, care types provided, staff numbers, and risk factors. CQC 'Good' or 'Outstanding' ratings can significantly reduce premiums.

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Do you cover different types of care homes?

Yes, we provide tailored coverage for residential care homes, nursing homes, dementia care facilities, respite care centers, and specialist care facilities for learning disabilities or mental health.

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What information do you need for a quote?

We'll need details about your facility capacity, types of care provided, CQC rating, staff numbers and qualifications, building details, existing safety measures, and any previous claims history.

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Can you help with regulatory investigations?

Yes, our policies include CQC investigation support with access to specialist healthcare lawyers, regulatory compliance advice, and crisis management services during inspections or incidents.

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Do you cover home-based care services?

Yes, we can provide coverage for domiciliary care services and home-based healthcare providers, though this requires specialist cover as standard home insurance won't cover commercial care activities.

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Can I pay monthly for my nursing home insurance?

Yes, we offer flexible payment options including monthly direct debit to help with your cash flow. There's usually a small additional charge for monthly payments.

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How quickly can I get cover?

Once we have all the information needed, we can often provide same-day cover. For urgent requirements, call us on 0330 127 2333 and we'll prioritize your quote.

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Can I get nursing home insurance with bad credit?

Yes, we work with insurers who consider applications from care home operators with adverse credit history. While premiums may be higher, we can still find competitive coverage options for your facility.

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Will my credit score affect my insurance premium?

Credit history can influence premium pricing, but it's not the only factor. Your care home's CQC rating, claims history, and risk management practices often have more impact on your insurance costs.

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Do you run credit checks for nursing home insurance?

Some insurers may conduct credit checks as part of their underwriting process, but this varies by provider. We'll let you know upfront if a credit check is required and work with insurers who are more flexible on credit requirements.

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Can I improve my insurance terms with better credit?

Yes, improving your credit score over time can lead to better premium rates at renewal. We can review your policy annually to ensure you're getting the best available rates as your financial position improves.

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What if I've had a CCJ or bankruptcy?

We work with specialist insurers who consider applications from care home operators with County Court Judgments or previous bankruptcy. Each case is assessed individually, and we'll find the most competitive option available.

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How do I make a claim on my nursing home insurance?

Contact our 24/7 claims helpline immediately after an incident. We'll guide you through the process and assign a specialist care home claims handler who understands the unique aspects of healthcare facility claims.

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What should I do immediately after an incident?

Ensure resident safety first, then document everything - take photos, gather witness statements, and preserve any evidence. Notify us within 24 hours and avoid admitting liability. Our claims team will guide you through the next steps.

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How long do claims take to settle?

Simple property claims can be settled within weeks, while complex liability claims involving medical issues may take months or years. We'll keep you updated throughout and provide interim payments where appropriate.

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Will making a claim affect my premium?

Claims can impact future premiums, but this depends on the nature and frequency of claims. Single incidents beyond your control typically have less impact than repeated claims suggesting poor risk management.

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Do you provide legal representation for claims?

Yes, our policies include access to specialist healthcare lawyers for defending claims, regulatory investigations, and employment disputes. We'll arrange appropriate legal representation when needed.

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What if a claim exceeds my policy limit?

We'll work to negotiate settlements within your policy limits where possible. If a claim genuinely exceeds your cover, you may be personally liable for the excess. This is why adequate coverage limits are crucial for care homes.

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Can I claim for business interruption due to COVID-19?

COVID-19 coverage depends on your specific policy wording and the circumstances of closure. Most standard policies exclude pandemics, but we can discuss specific pandemic cover options for future protection.

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What happens if CQC suspends our registration?

If covered under your policy, business interruption insurance can provide financial support during regulatory suspension, covering ongoing costs and lost income while you work to resolve compliance issues.

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Can I get nursing home insurance with criminal convictions?

This depends on the nature, severity, and timing of convictions. Healthcare-related convictions or those involving vulnerable adults are particularly challenging, but we work with specialist insurers who consider each case individually.

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Do I need to declare spent convictions?

For care home insurance, you typically need to declare all convictions, including spent ones, due to the vulnerable nature of residents. The Rehabilitation of Offenders Act exceptions apply to healthcare roles.

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What about staff convictions?

You must declare any convictions of key personnel involved in care delivery or management. Staff DBS checks are essential, and any convictions should be reported to insurers and may affect coverage terms.

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Will motoring convictions affect my care home insurance?

Minor motoring convictions typically don't affect care home insurance, but serious driving offenses or multiple convictions may impact terms, especially if your facility provides transport services for residents.

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What if I get convicted after taking out insurance?

You must notify us immediately of any convictions during the policy period. Failure to disclose could invalidate your insurance. We'll work with insurers to maintain coverage where possible, though terms may change.

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Can I get cover if I've been refused insurance before?

Previous insurance refusals don't automatically prevent coverage, but must be declared. We work with specialist insurers who may consider applications that mainstream insurers have declined, particularly if circumstances have improved.

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How do convictions affect my premium?

The impact varies by conviction type, age, and relevance to care home operations. Minor, older convictions may have minimal impact, while serious or recent convictions can significantly increase premiums or require specialist coverage.

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