Care Home Insurance | Insurance For Care Home Fees

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Care Home

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Need a care home or hospice insurance quote? Let the independent specialists at your local Coversure compare their markets to find you quality protection that's tailored to your home's needs.  Your local Coversure office can find the right solution your needs,so start your care home insurance quote today.

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What Is Care Home Insurance?

Care home and hospice insurance is a specialist form of cover designed to give the owners of care homes or hospices the protection they need.

Owning and running a care home presents a unique set of risks. By encompassing everything from public liability insurance and loss of registration to malpractice and abuse and buildings insurance on a single, easy-to-administer policy, care home cover through Coversure makes insuring your business easier.

To find out more, or to get some specialist, independent advice, please contact your local Coversure office. 

Who Needs Care Home Insurance?

Given the specialist nature of hospices and care homes, standard business insurance won’t offer you the protection you need.  So, if you own or run one of the following, you should consider care home cover:

  • Care homes
  • Hospices
  • Nursing homes
  • Convalescent homes
  • Respite care homes

What can Care Home Insurance cover?

Care home insurance through Coversure offers a package of protection that allows you to cover multiple risks on a single policy*. It’s a flexible protection that insure you against risks such as:

Legal Expenses

This is another important policy element given the legal of regulations and responsibilities you hold. Legal expenses can cover:

  • Services occupancy issues
  • Contract Disputes- relating to the sale, hire or purchase of goods.
  • Defence against criminal prosecutions brought by the police, the Health & Safety Executive and/or Local Authority Health & Safety Enforcement Officer
  • Bodily Injury to you and your employees’ legal rights
  • Tax & VAT in respect of any enquiry by HMRC
  • Statutory licence protection

Employment Practices Liability

Offers cover against discrimination, harassment, wrongful retaliation, and additional named violations

Buildings & Contents

Which protects your buildings and your home’s contents cover one policy

Loss of Registration

Should you lose your registration, something that will mean the end of your care home business, loss of registration insurance will help cover the financial depreciation of the premises

Residents’ Contents

Covers the personal belongings, valuables, and money belonging to your residents

Medical Malpractice

Protects against claims such as if a staff member was to administer the wrong medication to a resident

Professional indemnity

If you advise your customers or provide a service and be required to advise on best practice, you should consider having professional indemnity insurance. Professional indemnity – P.I. insurance as it’s also known – will shield you financially should you be sued for losses by a customer for giving them poor or misleading advice

Business Interruption

If something catastrophic happened to your business – such as a fire or flood – and your premises is forced to close for a while, could you cope? With no money coming in and bills needing to paying, would you be able to keep putting food on your table while not doing so for your customers? Business interruption cover provides you with an income while your business is out of action, providing much-needed peace of mind in a time of stress

Product liability

Did you know that if the products you use, recommend, or sell cause problems, you can be liable for damages? Products are central to your business, and if something goes wrong, you can be liable for claims and compensation.  Should this happen to you, product liability insurance covers the costs of any compensation you are made to pay, together with the legal fees

Employers’ liability

This is a legal requirement if you employ people. It provides cover in the event of your employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you. Your policy must:

  • Cover you for at least £5 million
  • Be with an authorised insurer
  • And employers must provide a safe working environment

Public Liability

Provides cover should a member of the public injure themselves or if their property is damaged while you are working.  It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example if they slip on the floor and decide to sue you, you’ll be covered.

How Much Does Care Home Insurance Cost?

Given the complex nature of care homes, nursing homes, hospices, and convalescent homes, and your local Coversure office will tailor protection to your needs, this isn’t an easy question to answer.  The cost of your policy will depend on factors such as:

  • The size of your business
  • The nature and extent of the care you provide
  • The type of residents you have with you
  • The cost of rebuilding your property
  • If you have employees
  • If you have stock
  • If you have vehicles
  • Where it is
  • Your claims history

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Care Home cover for you.

Care Home Insurance FAQ

Care home and hospice insurance is a complicated area, given the number of risks they face.  To help you get the protection you need, here is a selection of frequently asked questions about care home cover:

No, but given the range of protections it offers and that business insurance won’t provide sufficient protection, it’s well worth considering. Employees’ liability insurance is a legal requirement if you have any employees

Getting a quote is easy. You can start your care home insurance quote or contact Coversure

Yes, and it will protect you where you are legally liable for allegations made against you for the likes of sexual, mental, and physical attacks on residents

It can cover a wide range of establishments, including care homes, nursing homes, hospices, and respite homes.

Need a Care Home Insurance quote?

If you’d like a Care Home Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

Employers’ Liability

Public Liability

* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

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