Care Home Insurance

Specialist insurance for care homes

Our Care division (which includes Care Home Insurance Service, CHIS) has over 20 years’ of experience and expertise in providing insurance solutions for care homes in the UK. We can navigate the increasingly complex and diverse risk environment on behalf of our clients and consult on how to protect against losses and future growth.

All our products and services are designed around the particular needs of care providers. We work together with you to understand your businesses risks and help design an insurance solution that aims to provide the right cover for your business.  From the simple things, such as protecting a company mini-bus, to the more complex, such as safeguarding an attack on the business registration.

We provide real value to our clients, who are continually squeezed on cost. Having recently combined our care and medical practices, and being part of the world’s largest majority employee owned insurance intermediary, we now have even more negotiating power with insurers and are able to secure more competitive terms.

Continually striving to be at the forefront of care insurance, we work closely with care associations, claims teams, and insurers across the UK and only source from a panel of reputable insurers all authorised and regulated by the Financial Conduct Authority (FCA).

Howden is the preferred insurance partner to the National Care Association (NCA), Registered Nursing Home Association (RNHA), East Sussex Brighton & Hove Residential Care Home Association (ESB&H RCHA), West Sussex Forum (WSF), as well as others.

Our specialist covers include:

  • Buildings/Tenants Improvements
  • Contents
  • Residential Effects Cover
  • Business Interruption
  • Employers Practices Liability
  • Public Liability
  • Medical Malpractice
  • Abuse cover
  • Professional Indemnity
  • Legal Expenses
  • Directors’ & Officers’ Liability
  • Personal Accident
  • Loss of Registration
  • Engineering Breakdown
  • Motor Insurance
  • Terrorism
  • Goods In Transit

Adding value to your business

To maximise the value of each insurance programme we include additional HR and legal services. You will have access to; a 24 hour care specific legal helpline which will provide advice on care regulation and employee related issues as well as general business legal advice; cover in the event of an employment tribunal; an online, care specific HR document service to ensure all documents are up to date; a 24 hour stress helpline giving your employees access to expert help to cope with stress.

The Care team at Howden have always provided me with the very best level of service from start to finish. Whether I am speaking to them about an issue at one of my homes or about a renewal, they are always very helpful; their advice is always good and it arrives fast. I am relieved to have a team I trust behind me waiting in the wings in case anything ever goes wrong.

Director, Kew Care Group

It was a pleasure to deal with the staff at Howden. The team are not only pleasant, helpful and courteous, they go the ‘extra mile’ in terms of the service they provide.

Operations Director, ANEW young people services

Key Contacts

Matthew Waite

Matthew Waite

Care & Medical +44 (0)1273 645 920 Email


The real moment of truth comes if and when you need to make a claim. Enquiries will be managed efficiently by our experienced team and all settlements paid quickly and precisely. Our risk and claims teams work together proactively to help you manage your business’ exposure to risk; we will monitor and respond to claims trends in order to identify training needs, give practical advice and ultimately manage premiums.