Care Sector Insurance

Specialist protection for care homes, domiciliary carers, supported living services and healthcare providers.

Care providers deliver essential support to some of the most vulnerable people in society, and with that comes a high level of responsibility. From safeguarding residents and service users to managing staff, medical records, medication, equipment and property, the care sector faces unique and often complex risks.

Care Sector Insurance is designed to protect your organisation against the financial impact of incidents such as injury, allegations of neglect, property damage, staff accidents, professional errors and regulatory challenges.

At The Yorkshire Broker, we provide tailored insurance solutions for care organisations of all sizes, giving you the confidence and security needed to continue delivering exceptional support.

Who is this cover for?

We arrange policies for a wide range of care, support and community services, including:

Foster care agencies and support services

Hospices and end-of-life care providers

Nurseries, playgroups and out-of-school clubs

Rehabilitation centres and recovery services

Residential care for children and adults

Respite care providers

Shelters, hostels and refuges

Supported living services

Adult placements and assisted living schemes

Care and day centres

Community and youth organisations

Counselling and therapy services

Domiciliary (home care) providers

Whether you operate a single location, multiple sites, or deliver care in the community, we can arrange insurance that’s tailored to your setting and responsibilities.

What does Care Sector Insurance cover?

A comprehensive insurance programme can protect your organisation, service users, staff, property and reputation. Cover can include:

Public & employers’ liability

Public and employers’ liability cover is essential in the care sector, protecting your organisation if a service user, visitor or member of staff is injured, becomes ill or suffers property damage as a result of your activities.

Professional indemnity

Protects against claims involving errors, omissions or allegations of negligence in the care, guidance or support you provide. This is particularly important for services involved in therapy, rehabilitation, counselling, behaviour support or specialist interventions.

Medical malpractice (where required)

Specialised protection for clinical or nursing activities involving medical procedures or treatments.

Management liability / trustees’ liability (optional)

For organisations offering clinical support or nursing care, such as hospices, residential nursing homes or rehabilitation facilities,medical malpractice cover protects against claims relating to treatments or medical procedures

Property damage

Protection for buildings, equipment, medical supplies, furnishings and service users’ belongings against fire, flood, theft, malicious damage, accidental damage and more.

Business interruption

Protection if your organisation is unable to operate following an insured event, helping to cover loss of income, increased costs and temporary relocation.

Abuse cover

Essential protection for care providers, covering allegations of abuse made against staff, volunteers or the organisation.
(Often excluded from standard policies, so specialist cover is important.)

Legal expenses

Support with employment disputes, regulatory challenges, investigations or contract issues.

Residents’ effects (optional)

Cover for residents’ personal items while in your care.

Cyber and data protection

Protection for:

electronic care records
medication management systems
staff databases
financial transactions

Covers cyber-attacks, data breaches, ransomware and system failures.

Additional optional covers

Depending on the nature of your service, insurance can also include:

Tools and equipment used by mobile or community-based staff

Vehicle and fleet insurance for transport services

Goods in transit for equipment or supplies

Fidelity cover for protection against employee dishonesty

Why specialist care insurance matters

Care providers face risks that are not typically covered by standard business insurance. These include:

safeguarding responsibilities

medication administration

vulnerable service users

regulatory oversight (CQC or equivalent)

manual handling and mobility support

higher incident and claim exposure

staff turnover and training pressures

A specialist care policy is designed around these challenges, offering protection where it is needed most.

Why choose The Yorkshire Broker?

We understand the complexities of the care sector and the importance of maintaining continuity, safety and compliance.

When you work with us, you can expect:

Personalised advice tailored to your service
Access to specialist care sector insurers
Clear guidance on regulatory and insurance requirements
Support with claims and incidents
A friendly, down-to-earth approach

Our goal is to make protecting your organisation simple, transparent and stress-free.

Protect your care service with confidence

To arrange tailored Care Sector Insurance for your organisation, call The Yorkshire Broker on 01924 929070, we’re here to help.