Care Home insurance

A specialist insurance package designed to support nursing homes, residential care homes, and hospices with expert cover for your property, people, and care services.

Start a quote Speak to an expert

Quick Links

Introduction Cover detail Testimonials FAQs Why Premierline? Related Articles Get Quotes

What is care home insurance?

Care home insurance is designed to protect your facility from a wide range of risks that could impact your ability to operate, from property damage to liability claims. Whether you run a nursing home, residential care home, or hospice, this comprehensive policy offers peace of mind so you can focus on delivering high-quality care.

From legal liabilities and medical malpractice to business interruption and cyber threats, care home insurance provides tailored protection that reflects the specific needs of the care sector.

Why choose us for your care home insurance?

We're Health and Social Care Insurance Experts

At Premierline, we’ve been arranging insurance for healthcare and social care organisations for over 20 years. We’re here to help you find cover that protects your residents, staff, premises, and reputation.

We’re also a preferred supplier of Spectrum Care, a care purchasing network for care home operators.

Leading broker service: Access to top UK care home insurers.

Expert advisors: Regulatory knowledge for nursing and care homes.

Tailored packages: Hospice liability to full nursing home policies.

Award-winning service: Trusted, highly-rated customer support.

Simple and hassle-free: We handle the insurance process for you.

Who needs care home insurance?

If you operate any of the following, you’ll likely need specialist insurance to protect your care services. Our insurance packages are suitable for a wide range of care settings, including:

Nursing homes or elderly care facilities providing 24/7 medical care
Residential or retirement care homes supporting daily living needs
Specialist care facilities for dementia, disabilities, or mental health
Hospices and palliative care centres offering end-of-life care and support
Supported living and assisted living settings

These environments carry significant legal and ethical responsibilities, so choosing the right care home insurance broker is essential to ensure your cover meets CQC and regulatory requirements.

Whatever the size or focus of your care service, we can arrange insurance that reflects your level of risk and regulatory obligations.

What types of insurance do care homes need?

Care homes face a wide range of operational risks and responsibilities. Here are the key types of cover to consider:

Care home liability insurance

Public liability insurance

Covers claims if a resident, visitor, or third party is injured or their property is damaged on your premises. Public liability insurance is essential for care providers hosting visitors, contractors, or external healthcare professionals.

Employers’ liability insurance

A legal requirement if you employ staff. Employers’ liability cover protects against claims from employees injured during work, including incidents involving manual handling or exposure to medical substances.

How much does it cost to insure a care home?

The cost of care home insurance depends on several factors, including:

The size and location of your premises
Whether you provide medical or non-medical care
The number of employees
The value of buildings, stock, and equipment
Your claims history and risk profile

At Premierline, we compare quotes from trusted UK insurers to help you find the right level of cover. We also recommend regularly reviewing your policy to ensure it reflects any changes in your care provision.

Start a quote

Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote

Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm

Call: 0333 320 6009

Care home insurance FAQs

What insurance does a care home need?

Most care homes require public liability, employers’ liability, medical malpractice, property, and business interruption cover as a minimum.

Is medical malpractice insurance a legal requirement for care homes?

It’s not legally required but is strongly recommended for any care home providing personal or medical care.

Do care homes need cyber insurance?

Yes, you should consider this insurance. If you store digital records of residents, finances, or medical data, cyber insurance can protect against the impact of data breaches and cyberattacks.

What’s the difference between nursing home and residential care home insurance?

Nursing home insurance typically includes cover for medical malpractice, while residential care home insurance focuses more on general liability and property risks.

Does care home insurance include building and contents cover?

Yes, policies can include both property and contents insurance for complete protection.

Do hospices need insurance too?

Absolutely. Hospice insurance protects against liability claims, medical negligence, property damage, and legal expenses.

How do I get a quote for care home insurance?

Complete our short form or call our expert advisors. We’ll compare quotes from top care home insurance providers and recommend the right policy.

Our customer reviews and testimonials

“An excellent company you can trust. Im very happy with Premierline and would recommend their insurance to anyone.”

Care Home

Customer since February 2025

Our independent customer reviews