Care Home Insurance
Care Home Insurance Quotes
Cover for care home premises, staff and residents.
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What Is Care Home Insurance?
Care home insurance is a specialist policy that protects residential care providers against liability claims, property damage, and the financial risks of running a regulated care service.
Care homes face risks that standard commercial property insurance does not cover. Medication errors, safeguarding allegations, and resident injuries all require dedicated protection built around the care sector.
Whether you run a nursing home, a dementia unit, or a small residential service, the right policy covers your building, your staff, your residents, and the liabilities that come with delivering regulated care.
How To Compare Care Home Insurance Quotes
You can compare care home insurance quotes online through SimplyQuote in partnership with Quotezone, matching you with FCA-regulated insurers who specialise in care-sector cover.
Enter your care home details
Provide your postcode, the type of care you deliver, how many residents you accommodate, and how many staff you employ.
Select your cover requirements
Choose the areas you need to protect, including buildings, contents, liability, and any optional extras such as legal expenses or abuse cover.
Review your quotes
Results appear from insurers regulated by the Financial Conduct Authority, each tailored to your care model and premises.
Buy your policy online
Once you have chosen a quote, you can apply directly. Policy documents are typically emailed within minutes.
What Does Care Home Insurance Cover?
A care home insurance policy typically covers your premises, your staff liabilities, your residents, and the financial impact of business interruption.
Buildings Insurance
If you own your care home, buildings insurance covers the cost of repairing or rebuilding the property after damage from fire, flood, storms, or vandalism. Care homes often have higher rebuild costs because of specialist adaptations such as wet rooms, hoists, and wheelchair access.
Contents Insurance
This covers furniture, medical equipment, IT systems, and everyday items used in the home. Specialist equipment such as profiling beds, oxygen concentrators, and mobility aids can be expensive to replace.
Employers' Liability
Employers' liability insurance is a legal requirement if you have staff. It covers claims from employees who are injured or become ill because of their work, with a minimum cover level of £5 million.
Public Liability
Public liability insurance protects you if a resident, visitor, or contractor is injured on your premises or harmed by your care services. Most care home policies offer £2 million to £10 million.
Business Interruption
If your home cannot operate due to an insured event, business interruption cover replaces lost income while you recover. This is particularly important for care homes, where relocating residents during repairs can be costly and complex.
Residents' Belongings
Some policies include cover for residents' personal possessions while in your care. This can provide reassurance to families and reduce the risk of disputes.
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What Types Of Care Homes Can You Insure?
Care home insurance can be tailored to suit any regulated care setting, from small residential homes to large nursing facilities with specialist units.
| Care Home Type | Key Cover Considerations |
| Residential care home | Buildings, contents, PL, EL, residents' belongings |
| Nursing home | Medical malpractice, PI for nurses, medication liability |
| Dementia care unit | Wandering/absconding risk, specialist security, higher PL limits |
| Mental health service | Restraint liability, abuse allegations cover, staff training |
| Respite and rehabilitation | Short-stay resident turnover, temporary equipment hire |
| Supported living | Lower clinical risk, but tenancy and safeguarding obligations apply |
If your facility is regulated by the Care Quality Commission or an equivalent body, you are eligible for specialist cover. Disclose the type of care you provide when requesting a quote so insurers can assess risk accurately.
What Is Not Covered By Care Home Insurance?
Care home insurance does not cover every situation. Exclusions typically apply where risks are undeclared, regulations are breached, or damage results from wear and tear rather than a sudden event.
Regulatory Non-Compliance
Claims arising from deliberate breaches of CQC standards or fire safety regulations are unlikely to be covered. Operating with inadequate staffing levels after a warning could also void your policy.
Unlicensed Treatments
If a member of staff provides medical treatment outside your stated registration, any resulting claim may be excluded. This includes administering medication without the correct training or authorisation.
Gradual Deterioration
Wear and tear to flooring, fixtures, or equipment is not classed as an insurable event. Insurers expect care homes to maintain their premises to a reasonable standard.
Poor Record-Keeping
If care plans are incomplete or incident logs are missing, insurers may reject a claim. Accurate documentation is both a CQC requirement and an insurance condition.
What Add-Ons Are Available For Care Home Insurance?
Most care home policies offer optional extras that let you extend your protection beyond the core cover, targeting the specific risks of your care model.
Medical Malpractice
This covers claims arising from clinical errors, medication mistakes, or personal care procedures. If your staff include registered nurses, consider pairing this with professional indemnity insurance for individual practitioner protection.
Abuse and Molestation Cover
This protects against allegations of abuse, whether proven or not. It typically covers legal defence costs, investigation expenses, and compensation payments ordered by a court.
Legal Expenses
Covers the cost of employment disputes, contract disagreements, and regulatory investigations. Care homes are more likely than most businesses to face employment tribunals due to high staff turnover.
Loss of Registration
If your CQC registration is suspended or revoked following a regulatory breach, this add-on helps cover the financial impact while you work to restore your status.
Equipment Breakdown
Covers the repair or replacement of key systems such as lifts, hoists, nurse call systems, and commercial kitchen equipment.
How Much Does Care Home Insurance Cost?
Care home insurance typically costs between £1,500 and £8,000 per year, depending on the size of your facility, the type of care you provide, and your claims history.
| Care Home Size | Typical Annual Premium |
| Small residential home (up to 10 beds) | £1,500–£3,000 |
| Medium care home (10–30 beds) | £3,000–£5,500 |
| Large nursing home (30–60 beds) | £5,500–£8,000 |
| Multi-site provider (60+ beds total) | £8,000–£15,000+ |
These ranges reflect typical premiums for care homes with standard risk profiles. Homes offering specialist dementia or mental health care, or those with a history of claims, may pay more.
A 24-bed residential care home in the Midlands with a rebuild value of £800,000, £50,000 in contents, 18 staff, a clean claims history, and a Good CQC rating might pay between £2,800 and £3,500 per year for a policy covering buildings, contents, EL, PL, and business interruption.
What Affects Your Care Home Insurance Premium?
Your premium is based on the level of risk your care home presents, including the type of care you deliver, the size of your operation, and your regulatory track record.
Type of Care
Nursing homes and dementia units typically attract higher premiums than standard residential homes because of the increased clinical risk. Homes offering palliative or end-of-life care also face higher rates.
Number of Beds and Staff
More beds and more staff increase your liability exposure. A 50-bed home with 30 employees represents a larger risk than a 10-bed home with 8 staff.
Property Value and Condition
Higher rebuild costs mean higher premiums. Older buildings or those without modern fire suppression systems may also cost more to insure.
CQC Rating
A Good or Outstanding rating from the Care Quality Commission can help reduce your premium. Homes rated Requires Improvement or Inadequate may face higher costs or restricted cover options.
Claims History
A clean claims record over the past three to five years usually results in more competitive quotes. Previous claims for abuse, negligence, or large liability payouts will push your premium higher.
How To Save Money On Care Home Insurance
You can reduce the cost of care home insurance by improving your risk profile, reviewing your cover levels, and comparing quotes from specialist insurers.
Maintain a Strong CQC Record
Homes with a Good or Outstanding CQC rating demonstrate lower risk. Invest in training, documentation, and compliance to protect your rating.
Improve Fire Safety and Security
Installing modern fire detection, sprinkler systems, and CCTV can reduce premiums. Check the Health and Safety Executive guidance for care-sector standards.
Review Your Cover Annually
If your bed count, staffing, or services have changed, your cover should reflect that. Overstating your property value or adding unnecessary extras increases your premium.
Increase Your Voluntary Excess
Accepting a higher excess on claims reduces your annual premium. This works best if you have a clean claims history and strong cash reserves.
Compare Through a Specialist Service
Using a comparison service like SimplyQuote lets you see quotes from multiple care-sector insurers in one place, helping you find the right business insurance at the best price.
Compare Care Home Insurance
Compare care home insurance quotes from UK insurers in minutes.
Frequently Asked Questions
Employers' liability insurance is a legal requirement if you employ staff, with a minimum cover level of £5 million. Other types of cover are not legally required but are strongly recommended for protecting your residents, your business, and your registration.
Yes. If you rent your building, you will not need buildings insurance (your landlord arranges that), but you will still need contents, liability, and business interruption cover.
Some policies include residents' belongings cover as standard or as an optional add-on. Check the policy wording for individual item limits and total cover amounts.
A poor CQC rating may increase your premium or limit the cover options available to you. Some insurers may decline to quote until improvements are made and verified.
Yes. Multi-site providers can often arrange a single policy covering all locations, which can be more cost-effective and simpler to manage than separate policies for each home.
Abuse and molestation cover is available as an add-on with most specialist care home policies. It typically covers legal defence costs, investigation expenses, and any compensation payments ordered by a court.
Some policies extend employers' liability to agency workers while they are under your direct supervision, but others require the agency to hold its own cover. Check the policy wording with your insurer before relying on it.
Business interruption cover can replace lost income while your home is unable to operate. The Care Act 2014 also places duties on local authorities to ensure continuity of care for affected residents.
If your staff provide clinical or medical services, professional indemnity insurance covers claims arising from professional advice or treatment errors. It is particularly relevant for nursing homes with registered nurses on staff.
All insurance providers in the UK must be authorised by the Financial Conduct Authority. You can check any insurer's status on the FCA register before buying a policy.
