Specialist Insurance

Care Home Insurance

Comprehensive protection for care homes, nursing homes, and residential facilities. From small independent homes to large residential centres, we arrange tailored cover to protect residents, staff, premises, and your business.

Request a Call-Back 01733 263311

Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Care Home Insurance Cover?

Care home insurance combines multiple covers to protect your residential facility. Typical coverage includes:

Buildings Insurance

Protection for your care home premises against fire, flood, storm, and other insured perils.

Contents & Equipment

Cover for furniture, medical equipment, mobility aids, and other contents.

Resident Liability

Protection if a resident is injured at your care home – typically £5m-£10m cover.

Employers' Liability

Legally required cover for staff injured at work – typically £10m minimum.

Professional Indemnity

Protection against claims of professional negligence in care provision.

Abuse & Molestation

Cover for allegations of abuse or molestation by staff members.

Business Interruption

Replacement of lost gross profit if you cannot operate due to an insured event.

Money Cover

Protection for cash on premises, resident fees, and overnight safes.

Directors & Officers

Personal liability protection for care home owners and managers.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Care Sector Expertise

Over 10 years arranging insurance for care homes and residential facilities.

Tailored Cover

Policies matched to your specific care home type, size, and operational model.

Claims Support

Dedicated support to help you through the claims process and minimise disruption.

Market Access

Access to specialist care sector insurers offering premiums suited to your risk profile.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Care home owners and operators
Nursing home managers
Residential facility providers
Homes for elderly residents
Homes for disabled residents
Homes with multiple staff

What We'll Need for Your Quote

1
Care home address and postcode
2
Type of care provided (residential, nursing, dementia, etc)
3
Number of residents cared for
4
Number of staff employed
5
Annual turnover or revenue
6
Qualifications of staff
7
Medical equipment and facilities
8
Safeguarding and care policies
9
Any previous claims history

Get Your Quote

Frequently Asked Questions

What is resident liability?

Resident liability protects you against claims from residents injured at your care home. This includes injuries from accidents, falls, or incidents.

Is abuse cover included?

Abuse and molestation cover is typically included. It protects you against allegations of abuse or molestation by staff members.

Do I need professional indemnity cover?

Yes, professional indemnity is essential. It protects you against claims of professional negligence in care provision.

What safeguarding measures are required?

Most insurers require DBS checks for staff, safeguarding policies, and appropriate supervision. We can advise on best practices.

How much liability cover do I need?

Most care homes carry £5m-£10m resident liability cover. We will recommend appropriate limits based on your resident numbers.

Are staff covered for injuries?

Yes, staff are covered under employers liability. You should have appropriate health and safety policies in place.

Is business interruption cover essential?

Yes, business interruption cover is highly recommended. It protects your income if you cannot operate due to fire, flood, or regulatory closure.

What about medication management?

You should have clear policies for medication management and administration. This helps protect against claims and regulatory issues.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.