Insurance for Care Home Operators
This is a working draft. The headings below are the framework we will fill in. If you have material to contribute, please get in touch.
The cover lines that matter
Public liability, employer’s liability, professional indemnity, abuse cover (often a separate extension), regulatory defence (CQC enforcement legal costs), business interruption.
Sector specialists vs. generalists
A broker that places one care home a year will treat you as a low-volume risk. A specialist desk that does ten a week prices and structures cover differently.
Claims patterns to plan for
Pressure ulcers, falls with serious harm, medication errors, and safeguarding allegations. Each shapes a different aspect of the policy.
What we are still working on
Anonymised premium ranges by operator size and CQC rating. Drop us a line if you can contribute.