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Insurance for Care Homes & Hospices
What we can do for you
Bringing you a dedicated team of care insurance specialists who have supported care homes and hospices for over 25 years. From single homes to large groups, we can create a tailored insurance solution to suit you. Howden is the official insurance broker to the National Care Association (NCA), Registered Care Providers Association (RCPA) and Outstanding Society.
Tailored insurance solutions
Flexible and comprehensive cover to suit your requirements
Service at the heart of what we do
Our expert broking and claims professionals help you every step of the way
Industry experts delivering more than just insurance
We work closely with organisations across the care sector to understand and find solutions for the issues that are important to you
An exclusive social care scheme
Social care insurance schemes have withstood various challenges and crises like the Covid pandemic, for example. Unfortunately, this has left a lasting impact on existing insurers and resulted in restricted coverage and increase in rates across the sector – consequently intensifying the financial pressures that providers are already under and exposing them to risk.
The insurance market for care providers still remains challenging. However, we have partnered with an A-rated insurer to introduce a new insurance scheme exclusively available through Howden, and designed specifically around the needs of social care providers.
Key benefits of the scheme include:
- Medical indemnity including prescribing nurses as standard
- Nil excess on abuse
- All types of settings considered (including care homes, domiciliary agencies, sheltered and supported housing, hospices and rehab units)
- Ability to pay by instalments over 10 months
- Requires Improvement (RI) rated providers considered
Speaking to a specialist insurance broker like Howden is essential to help you secure suitable terms. Contact our team to learn more about the scheme and safeguard your business, staff, and service users.
Cover for care homes across the sector
| Employer's liability | Legal Expenses | Employment Practises Liability |
| Public Liability | Personal Accident | Residential Effects |
| Medical malpractice | Management Liability (Directors & Officers) | Goods in transit |
| Building and Contents | Loss of registration | Motor insurance |
| Loss of revenue | Professional Indemnity | Terrorism |
| Cyber incident response | Engineering inspection & breakdown | Abuse |
Risk and claims management solutions
In the complex and ever-evolving world of health and care, the right risk and claims management support can make all the difference. Understanding the unique needs of the sector allows us to provide tailored risk and claims management solutions that bring genuine value to health and care organisations of all shapes and sizes– whether that’s in mitigating risks, navigating regulatory requirements or ensuring claims processes are as efficient and stress-free as possible.
I have had very positive dealings with Howden, particularly with Richard Lawson, who has always been very helpful, regarding my insurance coverage. Terms were provided very promptly, were highly competitive, and the coverage offered was excellent. The service I received from Richard, coupled with his attention to detail and professional yet personable approach, left me very impressed with the entire process. Richard’s dedication to ensuring my needs were met efficiently and effectively was outstanding. I highly recommend both Richard and Howden’s services.
News and Insights
Frequently asked questions
A specialist broker has knowledge of your specific industry, meaning they can provide you with invaluable advice in relation to the specific covers you require. Howden work with a number of insurers and keep abreast of market conditions to ensure we are able to advise you on options available across the insurance market.
Local authorities can often ask you to uplift your Public Liability limit from £5,000,000 to £10,000,000. Howden can arrange this along with uplifted limits for Medical Malpractice and Professional Indemnity where required.
Legal Expenses insurance, which is offered to all clients, will provide you with legal support and indemnity in relation to a multitude of issues faced by your operation. This includes a free helpline and online portal with hundreds of templates and guides to support your business.
Our claims department offer specialist Social Care advice on how to proceed after an incident takes place and will guide you through it step by step. Call our claims department on 020 7623 3806.
Howden are able to offer instalments over 10 months subject to a small interest charge and credit acceptance. Multiple policies can be placed under one agreement for ease. Speak to the care team for more information.
Howden have created a simple guide to help you follow the right steps in ensuring your assets are protected. Read our guide to underinsurance or contact the care team for further assistance.
The majority of liability claims made under social care policies are as a result of slips, trips and falls. Howden work with a number of trusted care partners and specialist service providers who can provide you with Health and Safety consultancy and policy and procedure management. Find out more.
Insurers only issue certificate of Employers Liability. To demonstrate you hold adequate Public Liability insurance, you can refer to your policy schedule or ask our account handler for a ‘Confirmation of Liability cover’ letter.
Insurers often take your latest and historic regulatory rating outcomes as a factor in deciding whether they are willing to provide terms. Howden work with insurers who can offer terms regardless of your rating in most cases. It is important to engage with your broker well in advance of renewal if this is a concern.
More than just insurance, we can help your business thrive
24 hour legal support
Access to a care-specific legal helpline, providing advice on care regulation and employee related issues as well as general business legal advice.
24 hour stress helpline
Giving your employees access to expert help to cope with the stress that sometimes comes with the job.
Risk management support
We provide advice and guidance on managing risks specific to the care sector throughout the year
Supporting those we believe in
We are proud to be a Founding Member of the Care Workers Charity £500 Challenge.