Care Home Insurance
A delegated underwriting scheme for residential care, nursing and respite homes, backed by A-rated capacity. Our cover is available exclusively through broker partners.
Why Accuro
Every policy is backed by A-rated insurer capacity, giving your clients security they can rely on.
As a delegated authority scheme, our own underwriters quote and make the decisions, so you speak directly to the people who decide.
We have run a delegated care home scheme for over 15 years, and that data and experience shapes our cover and pricing.
More than a package policy, with covers written specifically for the care sector, including treatment liability, management liability and cyber.
Submit risks with a reduced question set, accept released quotes online, process mid-term adjustments and receive documents automatically.
Care isn’t a core class for every broker. Our team offers guidance if you don’t place care risks every day.
Our appetite
Single locations, small groups (2–5 homes) and large groups (6+ homes).
Also available: Day care centres and Supported living.
Check our Risk Appetite & Acceptance Criteria to see which risks we accept as standard and which need special consideration.
View risk appetiteDocuments
Current documents apply to policies effective from 1 April 2025. Documents for earlier policies are kept in the archive.
For care providers
Accuro doesn’t deal with care homes directly. Our cover is only available through broker partners, so there are two ways to get a quote.
For brokers
Apply for an agency to quote and trade care home risks through our online broker portal.