Insurance for Care Homes – What You Need To Know!
Insurance for Care Homes
Care homes cannot afford disruption to their business and neither can your patients and residents. As the owner or manager of a care home, you are responsible for ensuring your business remains open so it can continue to offer quality care to those who need it.
Your care home’s viability can be seriously threatened by rising costs, shrinking occupancy levels and a constrained staffing environment. With these hazards hampering your profitability, one disaster could unfortunately close your care home’s doors for good.
Protect Your Business
Purchasing insurance for care homes should protect your business against insurable hazards, and keep your doors open in the face of a worst case scenario. We work with our clients to craft the perfect bespoke package for their business.
Please be aware there are minimum insurance requirements set out by the Care Quality Commission (CQC), the Care and Social Services Inspectorate in Wales, the Care Inspectorate in Scotland.
Care Home Cover
Property and Contents
Property damage cover typically includes a wide range of protection for buildings and contents. All care homes should consider insuring the full replacement value of buildings and equipment to make sure they are adequately insured.
Business Interruption
It is essential for care homes to possess business interruption (BI) insurance, which should cover the loss of profits resulting from an insurable peril. BI policies recoup lost profits so your care home can be back up and running and not financially impacted. Your BI policy will probably correspond to the perils insured under your property or material damage policy.
You need to be sure to choose an appropriate maximum indemnity period for your BI policy—your maximum indemnity period is the time you expect it will take to bring your care home back to full operation. Care home operators tend to underestimate the time they will need, so choose carefully. Insurers generally offer 12, 24 and 36 month indemnity periods.
Liabilities
Being responsible for the well-being of your patients, guests and employees exposes your care home to a barrage of liabilities every day. One little slip-up, as innocent as it may be, can lead to a large claim. To cover this constant exposure, insurers offer care homes several different liability policies, including: Employers’ liability, Public liability, Products liability and Malpractice liability.
Contact Edison Ives Insurance Solutions today or call on 0113 3904646 for more information.

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Quick Guide
Care Home Insurance: Liabilities Guide
Being responsible for the well-being of your patients, guests and employees exposes your care home to a barrage of liabilities every day. One little slip-up, as innocent as it may be, can lead to a large claim. To cover this constant exposure, insurers offer care homes several different liability policies, including:
- Employers’ liability is compulsory for all businesses in the United Kingdom with employees. It covers your liability for employees’ bodily injury or diseases generated by their employment.
- Public liability protects you in the event of any third-party injury or property damage arising from the business. This cover is essential, as you will most likely have members of the public visiting their family members who are patients.
- Products liability covers you for damages, claimants’ costs and your own costs for accidental injury or damage caused by supplying products. This could encompass food or medical products.
- Malpractice liability is available as a separate policy. It covers your legal liability for accidental injury or illness caused by errors or omissions when providing professional medical services.
Our Clients Rate Us
Fantastic service from Maria and Ged at Edison Ives. Professional, friendly and courteous service, well done!
Amazing service. Quick and reliable help. Great for start-up businesses. Professional and very helpful staff. Will be back for sure. Strongly recommend.
Would highly recommend Edison Ives, we have been working with them for our own policies as well as policies for clients. Everyone is so helpful. We recently needed an office insurance policy and Tim arranged for this to be sorted the same day for us. Thanks again!
I spoke to Gobind Suryavansi who was brilliant from the go. I was pleasantly surprised with the amount of time he spent with me to ensure that the policy was tailored to my needs and that I understood what I was covered for. It was so refreshing speaking to a professional, who made the process so smooth and left me feeling very confident that I was covered in the event of a claim. Your a credit to the company and I will definitely be recommending you to my friends and family. Thanks again Gobind
I have used Edison Ives twice in the past 6 months, dealing with Sarah Parnell, I have to say dealing with Sarah was a refreshing expereance based on dealings with other insurance Company's. Sarah is committed to Quality customer service and supplying the best product for the customer
We have been working with Edison Ives for a couple of years now and have always been impressed with their focus on customer service. They have also managed to obtain specialist and very cost-effective cover, with innovative solutions to meet for our insurance needs. Highly recommended.
Fantastic experience with Edison Ives, and especially Gobind. Whereas most insurance brokers take days to get quotes in place, Edison Ives take a matter of hours. The whole process was simple, efficient and a very professional service. Would recommend to anyone.
I dealt with Gobind for our Liability Insurance. He was very professional. Quick to reply with any queries. He made the whole process very easy.
Gobind was very helpful, he understood what I needed for my insurance and was very quick to get me the quote I was after.
Extremely helpful and efficient - found me the cover I needed for a complex build project.
An incredible team. Fast responses to queries and full disclosure received from Tony - Every time. Significant cost savings found with no decrease in cover.
My husband just set up his first business and as many can relate to its very overwhelming with all the things needed to do including insurance. I looked around and dealt with a couple other companies which in comparison were a nightmare.
Gobind was amazing with communication, making the whole daunting experience a breeze and going the extra mile to provide outstanding customer service. The company is very flexible and accommodating wouldn't hesitate to recommend to any of my friend or family.
I spent months trying to find bespoke insurance cover for my small food business but kept getting really bad service, no information and refusal with no explanation. I’d almost lost hope but then I got through to Tony from Edison Ives and he was incredible. Not only did he spend the time to explain things thoroughly, he went out of his way to help me find the right insurance policy for my business. I’m a super happy customer and would Highly recommend! Thank you so so much.
I was let down by another insurance broker at 5 o'clock on a Monday night with a project mobilizing on the Wednesday morning for which I had to have Rope access insurance for at £10M ELI/PLI.
Tony called me back after hours on the Monday night, got all of the information required (walked me through the document) and then put in a monumental effort to get the quotations back before my mobilization time. As a comparison I had other insurance brokers only responding to my enquiry 24hrs later.
Tony got everything in place in time for us to go offshore and successfully deliver our project. Absolute top man and I will be back to speak to Tony for our next insurance coverage (with a bit more time to spare).
Tim Dixon provided very professional service giving me timely reminders and following up on my queries promptly. The policy is tailored to our needs and competitive. Excellent service and I would recommend.
As a tree surgeon, I was struggling to find insurance to suit my company needs. I spoke to Tony at Edison Ives, his service was outstanding and prompt. He tailored my cover to suit my needs. Would absolutely recommend.
I have been dealing with Edison Ives for a couple of years and fined that both Tony & Ged have in depth knowledge of the insurance required all the Staff are very friendly & always helpful we have developed a great working relationship which will continue for many years.
Edison Ives have provided me with a high standard of customer care and attention. Sarah and the team advised and sourced insurance cover that ensured our business properties and clients obtained a high level of service and value for money.
We have held our Fleet and Professional Indemnity insurances with Edison Ives for a couple of years now and the service has always been second to none.
Sarah and the team respond promptly to any queries and we have always found them to be extremely helpful and understanding of our business needs.
We would not hesitate to recommend Edison Ives to any prospective customers.
Thank you.
Clever Energy Boilers
Great Service as always from Sarah at Edison Ives. They provide an excellent, professional service for our Buildings and Contents insurance at our two Sites. Always a pleasure to deal with and nothing is ever too much trouble.
Dave Hill - Navigation Wealth Management
We are delighted with the service received from Edison Ives, Ged and the rest of the team. We wouldn't hesitate to recommend them to anyone in future! Their advice and recommendations have been invaluable to us. Very professional, efficient and extremely helpful.
Top guys, very informative and knowledgeable, great value , we did all of our public liability insurance with this team , and would strongly recommend them . 10 out of 10 👍
Very Professional and always goes the extra mile to get you the best deals. We have switched all our business and fleet to Edison Ives. Saved our company money, Brilliant Service and very helpful. Tony is excellent! Would highly recommend.
Gobind is extremely helpful and knowledgeable. He went above and beyond to arrange the cover we needed and I have no hesitation in recommending him.
Excellent follow up with all queries covered.
Extremely helpful and at very competitive cost
I would be happy to use again and recommend