Running a care home can be as challenging as it is rewarding.
Our care home insurance service has been developed to meet the needs of today’s care home and our dedicated team have over 20 years’ experience in this sector.
- Protection against most unforeseen incidents
- Comprehensive Package at a competitive price
- Bespoke options available
- 24 Hour claims helpline
- Expert advice from our knowledgeable team
We have access to some of the leading specialist insurance companies to arrange cover for your care home business. Thanks to our strong relationships with these insurers, we can find the right cover for your business at a competitive price.
Our care home insurance team delivers thousands of clients with specialist advice on products and services from trusted leading insurers.
Areas Covered:
- Homes for people with learning difficulties
- Hospices
- Supported living facilities
- Nursing homes
- Residential homes
- Elderly care homes
- Children’s homes
Key covers
- Buildings
- Contents
- Public & Employers liability
- Products liability
- Business interruption
- Legal Cover
- Stock Cover
- Money
If you also need commercial liability cover for your care home — including employers liability, public liability, and abuse cover — please see our care home commercial insurance page.
Care Home Insurance FAQs
Care homes typically need several types of cover to protect the business, its staff, and the people in their care. These include employers liability insurance, public liability insurance, buildings and contents insurance, professional indemnity insurance, abuse cover, and business interruption cover. The right combination will depend on the type of care you provide, the size of your operation, and whether you own or lease your premises. Motts Insurance can help you build a package suited to your specific circumstances.
In most cases, yes. Care homes that employ staff — including full-time, part-time, and temporary workers — are required by law to hold employers liability insurance. The legal minimum is £5 million, though most policies provide at least £10 million as standard. Given the hands-on nature of care work and the associated risk of staff injury claims, this is one of the most important elements of a care home insurance package.
While not always a legal requirement, professional indemnity insurance is strongly recommended for care homes and care providers. If a resident or their family brings a claim alleging negligence, inadequate care, or errors in care planning, PI insurance covers the cost of defending that claim and any compensation awarded. For businesses where the standard of care is under constant scrutiny, this protection is difficult to justify going without.
Yes. Motts Insurance arranges cover for a wide range of care businesses, including residential care homes, nursing homes, supported living providers, and other specialist care organisations. We serve clients in Cardiff, throughout South Wales, and across the UK. Whether your business is a small residential home or a larger nursing facility, we can find a policy that reflects the nature of your operation and the people you support.
Care home insurance premiums vary considerably depending on a range of factors: the number of residents, staffing levels, the type of care provided, the value of the buildings and contents being insured, and the business’s claims history. Specialist care, nursing, or dementia facilities tend to attract different pricing to general residential homes. The best way to get an accurate figure is to speak with one of our brokers, who can gather the right information and approach the market on your behalf.
Yes. As an independent broker, Motts Insurance is not tied to any single insurer. If your current provider has declined to renew or offered terms you consider unacceptable, we can approach a range of insurers — including specialist markets — on your behalf. Care home insurance can be a difficult placement, particularly where there have been claims or regulatory concerns, and having access to multiple markets gives us a better chance of securing suitable cover.
Yes. Motts Insurance arranges insurance for supported living providers, assisted living services, and other specialist care organisations, in addition to traditional care home businesses. The insurance requirements for supported living can differ from those of a residential or nursing home, so it is important to work with a broker who understands the sector. We will take the time to understand your operation and make sure the policy you hold reflects what you actually do.
Motts Insurance has been arranging cover for businesses across South Wales since 1966. As an independent broker, we work for our clients — not for any individual insurer — which means we can compare options across the market and recommend the policy that best suits your needs. Care homes have specific and sometimes complex insurance requirements, and our brokers provide hands-on, personal advice rather than an online quote process that may miss important details.
Yes. Specialist care home insurance policies can include abuse cover, which protects against claims arising from allegations of physical, sexual, or psychological abuse by staff towards residents. This is an important and sometimes overlooked element of cover for care businesses, particularly given the vulnerability of the people being cared for. Motts Insurance can advise on whether abuse cover is appropriate for your operation and make sure it is included in your policy where needed.
Yes. Motts Insurance is based near Cardiff and has been serving clients across South Wales for decades. We arrange care home insurance for residential homes, nursing homes, and specialist care providers throughout the region, as well as further afield across the UK. If you would like to discuss your insurance requirements, please call us on 029 2070 0635 or use our contact form.