Care Home Insurance

Policy Summary
Policy Wording
Risk Appetite


The policy has been written and designed in conjunction with 2 of the UKs leading Insurers Aviva and Markel (UK) Ltd

The main care covers are insured with Aviva and we are using specialist insurer Markel to provide the Legal Expenses cover. This is all provided under the one policy to give you a seamless offering for your customers. 

We are looking to reward well managed care homes with the best pricing in the market linked to a bespoke care policy wording

The operative conditions found at the front of the policy are conditions precedent to liability and are those the insured is expected to adhere to as part of their usual day to day care operations

The policy is structured to make it simple too follow with the policy definitions and operative conditions at the front of the policy followed by the policy covers split into specific sections:-

Tangible assets – covering buildings and all contents of the home plus money, goods in transit and freezer contents

Financial losses – covering revenue protection following damage at the premises plus loss of registration and commercial crime cover

Liabilities – including Employers, Public and Products and Treatment liability covers plus in addition Legal Expenses,  and Data Security Breach

Benefits – Personal Accident cover for owners and employees

                                                                    Accuro Underwriting Risk Appetite

We have a wide care home risk appetite and will always be happy to discuss any risk with you
As a guide we are interested in the following types of risk:-

– Elderly and adult care homes
– Single site or multiple location risks
– Homes which accept general and nursing care plus care of residents with dementia
– Homes specifically for residents with learning disabilities or mental health problems
– Homes which also have elements of domiciliary care or supported living
– Hospices and associated retail and fundraising risks
– Increased capacity to write larger homes and/or increased limits or indemnity periods
– If your customer has multiple locations we can give discounted rates for scale of risk
– No limits to the size of home we can accept

Request a Quote

Specialist Partners

By becoming a policyholder you will also gain access to a wide range of risk management products and services at discounted rates – Click here for more information

Specialist Partners

Care Home Owners

If you own a care home and are looking to get insurance for it, then you can contact our retail broking divison ‘Aldium Insurance’ for a quotation. 

Please click the link below or complete the form.


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