Care Home Insurance

Specialist insurance for care homes

Be supported by a specialist team with over 20 years’ of experience and expertise in providing insurance solutions for care homes in the UK.

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All included products and services are designed around the particular needs of care providers. From the simple things, such as protecting a company mini-bus, to the more complex, such as safeguarding an attack on the business registration.

Your cover includes:


Abuse cover

Buildings/Tenants Improvements

Business Interruption

Contents cover

Directors’ and Officers’ Liability

Employers Practices Liability

Engineering Breakdown

Goods In Transit

Legal Expenses

Loss of Registration

Medical Malpractice

Motor Insurance

Personal Accident

Professional Indemnity

Public Liability


Residential Effects Cover



With the knowledge that you are fully covered, operate with the freedom to make the most effective business decisions.


Add value to your business at no extra cost


Legal support 24/7

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 and cover in the event of an employment tribunal.

24 hour stress helpline

A 24 hour stress helpline giving your employees access to expert help to cope with stress that sometimes comes with the job.

HR document service

An online, care specific HR document service to ensure all documents are up to date.

Howden is the preferred insurance partner to the National Care Association (NCA)

Howden is part of Hyperion, the world’s largest employee-owned insurance group. The negotiating power we have with insurers allows us to secure more competitive terms.

Continually striving to be at the forefront of care insurance, we work closely with the National Care Association, 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).


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Recognising the importance of peace of mind, our insurance partner, Howden, is able to support providers to get the best insurance solutions for their business based on their experience and knowledge of the challenges care providers face

Nadra Ahmed OBE, Chairman, NCA

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


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.