Care home insurance

Nursing Home and Care Home Insurance

Commercial insurance advice for nursing homes and care homes, considering property, liability, staffing and continuity risks.

Request a quote 0330 133 4386

Start with the exposure

Understand the exposure before comparing terms.

Care providers operate in a highly responsible environment where resident wellbeing, staffing, safeguarding, property and continuity plans all matter. We gather the operational detail insurers need and review key policy conditions carefully.

OAK VIEW

A careful submission helps explain how the provider protects residents and manages the risks behind the service.

Cover to consider

Built from the risk outwards.

Availability and scope depend on insurer acceptance and the terms offered for your business.

Property and business interruption

Buildings, specialist equipment and income exposures should reflect the premises, residents and realistic recovery needs.

Liability and safeguarding exposures

Employers', public and professional liabilities may be relevant, subject to activities, controls and policy terms.

Staff, vehicles and continuity

Workforce arrangements, transport, food services and continuity planning can influence the insurance programme.

Practical buying guidance

The care provided matters as much as the building

Residential care, nursing care, supported living and specialist services should not be treated as identical activities. Tell Oak who is cared for, what treatment or assistance is provided, and how staffing, training and safeguarding are managed. Clinical and professional exposures need particular attention.

A property loss can create both repair costs and difficult continuity decisions. Explain whether residents could be accommodated elsewhere, which equipment is essential, and how long a damaged site might remain unusable. Insurance cannot replace a workable emergency and continuity plan.

Allegations involving abuse, treatment or safeguarding can raise sensitive exclusions and notification requirements. Discuss the precise wording and reporting procedures rather than relying on a generic liability description.

Compare the wording, not just the premium

Check the declared care activities, professional and clinical exclusions, abuse-related wording, defence costs and interruption or relocation provisions. Coverage and insurer appetite vary.

Common questions

Useful answers before you approach the market.

What information will insurers ask for?+

They may ask about resident numbers, care activities, staffing, safeguarding, training, claims, fire safety and regulatory oversight.

Can a specialist care activity be included?+

It must be declared in detail. Insurer acceptance and terms depend on the type of care, resident needs and operating controls.

Should we review interruption cover?+

Yes. Consider dependencies, temporary relocation, additional costs and the time needed to restore or relocate operations.

Speak directly to Oak

Talk to Oak about nursing home and care home insurance.

Tell us what you do, what needs protecting and when the policy renews. We'll take it from there.

Start an enquiry 0330 133 4386