Running a care business is deeply rewarding, but it also comes with significant responsibility and risk. Care providers are trusted with people’s safety, wellbeing and dignity — and when something goes wrong, the consequences can be complex, costly and time consuming. Care sector insurance, including specialist care liability insurance, helps protect your business, your staff and those in your care.
Our care insurance specialists work with UK care providers to deliver advice-led tailored protection, clear guidance and confidence in a highly regulated environment.
Speak to our specialist care sector team for advice tailored to your organisation.
Who we support
Residential and elderly care homes
Domiciliary care and day care services
Supported living and learning disability support
Children’s care and mental health services
Addiction recovery, hospices and palliative care
Extra care, retirement and later living services
We're specialists...
Our specialist care sector insurance team brings decades of collective experience together to support care providers across the UK. Through this experience, we’ve observed many of the best and worst practices in the insurance advisory market. We’re here to challenge the status quo and aim to establish a new level of service for the care sector.
By combining deep technical knowledge with a genuinely client centred approach, our care specialists use modern systems and technology to simplify complexity, deliver clearer advice and design insurance programmes that reflect the real world risks of delivering care – not generic, off the shelf solutions.
Challenges in your industry
No two care organisations are the same. From domiciliary care agencies to complex residential and specialist services, each provider delivers differing levels of care, faces different regulatory pressures and carries unique risks.
Having specialist care sector insurance in place helps ensure your cover reflects these realities, supporting effective risk management, safeguarding obligations and protection should a claim occur.
How we support
We provide personalised insurance advice and tailored solutions for care businesses across the UK. Our team has extensive experience working within the care sector, giving us an in depth understanding of how care organisations operate and the exposures you face day to day.
Rather than starting with forms and policies, we begin with a conversation — taking the time to understand:
• Who you care for
• How you manage risk and safeguarding
• What your staffing structures, training and procedures are
• What your regulatory environment and CQC position is
The insight we gain from this conversation allows us to translate your business into insurer language and secure cover that genuinely reflects the way you deliver care.
Your business performs
Our specialist care sector team takes an advice led approach to reviewing your care sector insurance programme, ensuring it remains appropriate, relevant and effective. We look beyond the policy wording to understand how your organisation operates in practice, how risk is managed and where change or growth may introduce new exposures.
By working closely with you, we help identify potential gaps, areas of underinsurance or emerging risks that can be overlooked. Such in-depth understanding ensures your insurance programme continues to support regulatory compliance, operational resilience and long term sustainability, giving you the confidence to focus on delivering high quality care.
Why specialist care insurance matters
The care sector continues to evolve, shaped by regulatory change, workforce pressures and increasing scrutiny.
By working closely with you, we build a complete picture of your organisation, diagnosing your risks and designing bespoke insurance solutions that are relevant to your services, your people and the wider care industry. Our aim is to make insurance simpler, more effective and easier to manage.
Advice that makes a difference
Insurance in the care sector is complex — but it shouldn’t feel inaccessible or transactional. Our advice led approach means we focus on understanding your organisation first, before recommending solutions.
Working with our specialist care sector team means you benefit from:
- Care insurance specialists, not insurance generalists
- Clear explanations in plain English
- Tailored insurance programmes rather than off the shelf policies
- Ongoing support as your services evolve, not just annual renewal contact
Our role is to help you make informed decisions, reduce uncertainty and feel confident in your insurance arrangements.
Typical types of insurance cover for care providers
Medical malpractice / treatment liability
Cover for legal defence costs and damages arising from alleged negligence, treatment errors or sub standard care provided to a service user or patient.
Public & products liability
Cover for claims brought by employees who suffer injury or illness at work due to alleged employer negligence.
Employers’ liability
Cover for claims brought by employees who suffer injury or illness at work due to alleged employer negligence.
Deterioration of stock
Cover for the loss of drugs, vaccines or medical supplies resulting from temperature changes caused by refrigeration breakdown or accidental damage.
Loss of registration
Provides cover for loss of earnings if your registration or licence is suspended or withdrawn by a governing body.
Abuse / molestation
Specialist cover in the event of alleged abuse or molestation involving individuals under your care or responsibility.
Legal expenses
Cover for the cost of defending disputes, including employment claims, contractual disputes with local authorities, and challenges involving regulatory decisions.
Cyber insurance
Protection against cyber risks such as data breaches, ransomware attacks and system outages. Cyber insurance can help cover the costs of incident response, data recovery, regulatory notifications and business interruption arising from a cyber incident, which is increasingly relevant as care providers rely more on digital systems and sensitive personal data.
