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Care providers insurance · Folkestone, Hythe, Dover & Ashford

Specialist cover for care homes and domiciliary care, arranged by someone who understands CQC and council contracts.

Residential care, nursing homes, supported living and home care providers.

Call 01632 960 482Get a quote
  • Care sector specialist insurers
  • Commissioner requirements checked

The risks you face

What actually goes wrong in care providers

01

Medical malpractice and abuse allegations

Care liability policies must include treatment risk and abuse cover. Standard liability policies don't.

02

Council and NHS contracts

Commissioners set minimum limits and may ask to see your policy wording.

03

Staff recruitment and turnover

Agency and bank staff, and staff driving their own cars to clients, need to be covered correctly.

04

Regulatory action

CQC inspections and investigations can lead to significant legal costs.

05

Building and closure

A care home can't simply close after a fire. Residents need to be moved and cared for at extra cost.

06

Management liability

Directors can be personally pursued over safeguarding and employment decisions.

How we help

Cover built for care

Care insurance is specialist. The policy needs to cover treatment risk, abuse allegations, regulatory defence and the extra cost of moving residents. It also needs to satisfy commissioners. We work with a small number of insurers who understand the sector.

Supporting you through inspections and claims

Allegations and regulatory investigations are stressful. We make sure the right legal support is available under your policy, and we handle the insurer relationship so you can focus on residents.

Cover we typically arrange

Every policy has limits, excesses and exclusions. We explain the important ones in plain English before you buy.

Care providers risk check

Answer 5 quick questions. See what an insurer will want to know, and send your answers with a quote request so you are not asked twice.

Risk questions

Do you provide personal care in clients' own homes?

Do staff give medication or clinical treatments?

Do you hold local authority or NHS contracts?

Do staff use their own cars to visit clients?

Have you had a CQC rating of "requires improvement" or lower?

What to discuss with your broker

  • Your talking points appear here as you answer.
Send my answers with a quote request

This checklist helps you prepare. It is not advice and does not assess your cover. Your broker will go through your needs with you.

Liability limits checker

Seven yes-or-no questions. Get the points to raise before choosing your public, products and employers' liability limits.

Liability questions

Do you employ anyone, including part-time, casual or labour-only subcontractors?

Do you work for councils, the NHS, main contractors or large companies?

Do you work in customers' homes or on other people's sites?

Does your work involve heights, heat, hot works, demolition or heavy plant?

Do you make, supply, import or put your name on products?

Do you give advice, designs or specifications that clients rely on?

Do you hold customer data or take card payments?

Public liability limit commonly seen for businesses like yours

Answer the questions

    This is general information, not advice. The right limit depends on your contracts, your activities and what could go wrong. Always check the limits in the contracts you sign.

    Questions

    Care providers insurance questions

    What is abuse cover?

    Cover for legal defence and compensation if a member of staff is accused of abusing a service user. Many general liability policies exclude it, so care providers need a policy that includes it.

    Do commissioners need to see my policy?

    Many do. We can provide the wording and schedule in the format they ask for.

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    Talk to someone who insures care providers businesses every day

    Most clients in this sector prefer to talk it through. Book a callback and we will ask the right questions, so you only explain once.

    Call 01632 960 482Get a quote
    Call Get a quote

    Request a callback

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    Leave your number and a good time. We will ask the right questions on the phone, so there is nothing else to fill in.