Specialist Insurance for Care & Social Sector Providers
The care and social sector operates under unique pressures — CQC regulation, vulnerable service users, high-contact staffing models, and liability exposures that most standard commercial insurers don't fully understand. The wrong cover can leave providers exposed exactly where they need protection most.
We insure care homes, nursing homes, children's nurseries, domiciliary providers, and supported living operators across the UK — placing cover with underwriters who actively work in the sector. Over 50+ years of placing specialist insurance, the care and social sector has become one of our established specialisms within our book of 50,000+ UK clients, and our FCA-regulated team shapes cover around each provider's operational reality rather than trying to squeeze care businesses into generic commercial policies.
Who We Insure
Residential Care Homes
Cover for CQC-registered residential settings — elderly care, learning disability, mental health, and specialist care environments.
Nursing Homes
Specialist cover reflecting the clinical staffing, medical equipment, and regulatory exposures of nursing-led care settings.
Children's Nurseries
Ofsted-registered nurseries and pre-schools — with cover built around safeguarding obligations, staff ratios, and child welfare claims.
Domiciliary & Home Care
Cover for providers delivering care in the service user's own home — reflecting the distinct liability profile of in-home visits and lone working.
Supported Living
Cover for supported living providers working with adults with learning disabilities, mental health needs, or physical disabilities.
Extra Care & Respite
Extra care housing, day services, respite care, and hybrid provision — the kinds of settings mainstream policies often don't accommodate cleanly.
Types of Cover for the Care Sector
Care providers face a broader and more specialised liability landscape than most commercial operations. The right policy brings these exposures together into a single, coherent programme — rather than leaving gaps between generic products.
Employers Liability
A legal requirement for care providers with staff. Cover for claims brought by employees — injuries, ill-health, and work-related harm — underwritten with the sector's high-contact staffing profile in mind.
Public Liability
Cover for injury or property damage to service users, families, and visitors. Limits and wording matter more here than in most sectors — we make sure the policy actually fits the operational exposure.
Professional Indemnity
Cover for claims arising from the advice, care planning, and professional judgement your team provides. Essential for registered managers, social workers, and clinical staff.
Buildings & Contents
Cover for the physical site — building, fixtures, equipment, service user belongings, and the specialist items (hoists, assistive tech, medical equipment) that generic commercial policies often undervalue.
Business Interruption
Cover for loss of income following an insured event. Vital for care providers where temporary closure or partial bed loss can threaten ongoing viability and CQC registration.
Abuse Cover
One of the most critical cover areas in the sector. Protection against allegations of abuse — physical, emotional, financial — with underwriters who specialise in this coverage rather than sublimiting it.
Medical Malpractice
Where your service includes clinical care — nursing, medication administration, specialist interventions — medical malpractice cover protects the organisation against patient-care claims.
Cyber & Data Protection
Care providers hold highly sensitive personal data on vulnerable service users. Cyber cover addresses data breach response, regulatory penalties, and the operational cost of recovery.
Why Choose a Specialist Broker for Care Insurance?
CQC-aware cover
We work with underwriters who understand the regulatory landscape — CQC inspections, safeguarding obligations, statutory reporting — and write policies that sit alongside your compliance work rather than against it.
Specialist risks placed correctly
Abuse cover, medical malpractice, staff-related claims — the exposures that define this sector are often sublimited or excluded by mainstream carriers. We place them with underwriters who've seen the claims before and price them fairly.
Built on 50+ years of broking
Care draws on the same fundamental skill we apply to every specialist risk — understanding the operational reality, knowing which underwriters will price it fairly, and shaping cover that fits. Decades of relationships with niche MGAs and Lloyd's syndicates flow directly into every care placement.
Been refused, sublimited, or overpriced elsewhere?
Care providers frequently run into direct insurers and volume brokers who either decline the risk or quote a premium that bears no relationship to the actual business. That's often exactly the work we do every week — placing cover with specialist underwriters who understand what a well-run care service actually looks like.
Speak to a specialist →Frequently Asked Questions
Abuse cover is one of the most important — and most commonly overlooked — elements of care-sector insurance. Mainstream commercial policies often sub-limit or exclude it entirely, which can leave providers catastrophically exposed if an allegation is made. A well-placed care policy includes abuse cover underwritten by specialist insurers at proper limits, and we specifically check this on every enquiry.
CQC doesn't mandate specific insurance policies, but regulated providers are expected to demonstrate they have appropriate cover to meet their obligations. Employers liability is a legal requirement if you employ staff. Public liability, professional indemnity, and abuse cover are considered best practice for any regulated care setting. For nursing homes and clinical settings, medical malpractice is typically required. We work through each provider's specific regulatory context to make sure the programme holds up under inspection scrutiny.
Yes. Pre-opening cover is standard in care-sector broking — you typically need buildings & contents from the point you take possession, employers liability in place before hiring or training staff, and full operational cover ready for CQC registration and first occupancy. We structure the programme so cover matches each phase of opening rather than leaving you either underinsured early or overpaying for premature full cover.
That's a meaningful part of what we do. Mainstream insurers and volume brokers frequently decline care-sector business outright, or quote cover with sub-limits and exclusions that don't fit the risk. If your setting has claims history, past regulatory issues, a mixed care model, or anything else that makes standard insurers nervous, we approach specialist underwriters who understand the context and price it fairly. Give us the details and we'll tell you honestly what we can place.
Cover built for the care sector
Every care setting has its own regulatory, staffing, and operational reality. Call us or send a quick message — we'll ask the right questions first, then shape cover that fits the way your service actually runs.