Care Home Insurance
Protect Your Care Home with SJL Insurance
Protecting the space that protects loved ones
Care homes face a unique mix of day-to-day responsibilities, from protecting residents and staff to managing buildings, equipment and ongoing care obligations. We help arrange care home insurance that reflects those demands, with cover tailored to the type of care you provide and the way your home operates.
Whether you run a residential care home, nursing home or specialist care setting, we can help you find suitable protection for your property, liabilities and wider business risks. Our team works to understand your requirements and arrange cover that supports your business with confidence.
What is Care Home Insurance?
Care home insurance is a specialist type of business insurance designed for residential care homes, nursing homes and other care providers. It can combine different types of cover to help protect your business against risks such as injury claims, property damage, staff-related incidents and disruption to your day-to-day operations.
If you provide care for elderly residents, vulnerable adults or people with specialist support needs, standard business insurance may not reflect the level of risk involved. Care home insurance is intended to offer protection that is more suited to the care sector and the responsibilities that come with running this type of business.
What can Care Home Insurance cover?
Buildings and contents cover:
This type of insurance protects both the physical structure of your care home and the items within it. It typically includes cover for the building itself, as well as furniture, specialist equipment, and day-to-day operational assets. With appropriate cover in place, your business can recover more quickly from incidents such as fire, flood, or theft, helping you maintain continuity of care for residents.
Liability cover:
Liability insurance is a key safeguard for care home operators, protecting against claims from residents, visitors, or employees. Public liability cover applies to accidents or injuries that occur on your premises, while employers’ liability insurance is designed to cover staff-related incidents, including workplace injury or illness. Professional indemnity may also be included to address claims relating to errors or shortcomings in the care provided.
Medical cover:
Medical-related insurance helps protect your care home against risks linked to the provision of healthcare services. This can include cover for malpractice claims, as well as associated legal expenses and compensation costs. Having this protection in place ensures your business is financially supported if issues arise from treatment or care decisions.
Professional indemnity:
Professional indemnity insurance covers your care home against claims of negligence, mistakes, or failure to meet expected standards of care. It can help with legal defence costs, settlements, and compensation payments, giving reassurance that your organisation is protected if a claim is made regarding the services you provide.
Abuse and molestation cover:
This cover is designed to protect your business in the event of allegations involving abuse or inappropriate conduct. It typically includes financial support for legal representation, investigations, and any resulting compensation claims. While such situations are rare, this cover ensures your care home is prepared to handle serious allegations responsibly and with the necessary financial backing.
Who we Cover
We can help arrange insurance for a wide range of care providers, including:
- Residential care homes
- Nursing homes
- Dementia care homes
- Specialist care providers
- Elderly care services
- Multi-site care home operators
- Rehabilitation centres and Clinics
- Hospices
Why choose SJL Insurance
We arrange insurance for businesses across many sectors and provide access to a wide range of commercial insurance solutions, including property, liability, management liability and cyber cover. That means we can look at your care home insurance needs as part of your wider risk profile rather than treating each area separately.
Our aim is to provide a professional, personal service and help you secure cover that is suitable for your business. We take the time to understand your operation so we can help arrange insurance that fits your needs both now and as your business develops.
Get a quote
If you are looking for care home insurance, we can help you explore suitable cover for your business. Speak to our team to discuss your requirements and obtain a quotation tailored to your care home.
Care Home Insurance FAQs
Do care homes in the UK need employers’ liability insurance?
Yes. If you run a care home or healthcare business in the UK and employ staff, employers’ liability insurance is a legal requirement under the Employers’ Liability (Compulsory Insurance) Act. The only typical exception is where a sole trader employs only close family members. Most care providers will need cover in place from day one of employing staff.
What level of employers’ liability cover is required for care homes?
UK law requires a minimum of £5 million in employers’ liability cover, although most care home insurance policies provide £10 million as standard. The right level of cover will depend on your staffing levels, the type of care provided, and any contractual obligations—particularly if you work with local authorities or NHS frameworks.
How much public liability insurance does a care home need?
Public liability insurance for care homes in the UK typically ranges from £2 million to £10 million or more. The required level depends on your risk exposure, the number of residents and visitors, and any contractual requirements. Many local authority contracts will specify a minimum level of cover.
When should a care home arrange employers’ liability insurance?
Employers’ liability insurance should be in place as soon as your care home employs anyone, including temporary, voluntary, or unpaid staff. If you have a legal duty of care towards someone working under your supervision, you are exposed to potential claims and should have cover in place.
Do incidents in care homes always need to be reported to insurers?
Not always, but if you’re unsure, it’s best to check. Speaking to a claims advisor early ensures you meet policy conditions and avoid issues later. They can confirm whether the incident needs to be reported and what supporting information is required.
Does care home insurance include professional indemnity for nurses?
Yes. Most care home insurance policies include cover for nurses under a treatment or medical malpractice section. This applies when nurses are carrying out duties on behalf of the care home. It does not extend to work undertaken independently outside their employment.
Related News/Posts
SJL launch new Household Insurance scheme
SJL Insurance Services are delighted to announce the launch of our new home insurance facility. Contact SJL today for more details.
Village Hall Insurance
Cover is now available for village halls and other community buildings which are made available for hire. The cover is placed via Ansvar.
