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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 & hospices for over 20 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) and Registered Care Providers Association (RCPA).
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
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.
Yes - It is important all outbreaks are reported as soon as you are aware and always before the renewal date of your policy.
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
Exclusive discounts from care specialist businesses
We have partnered with a number of specialist care sector service providers to offer Howden clients discounted services that help support you and your business.
Supporting those we believe in
We are proud to be a Founding Member of the £500 Challenge.
Meet the Team
Richard
Richard Hearn
Richard Hearn
Divisional Director - Head of Social Care, Health & Care
Richard is a specialist in insurance and risk programmes for larger corporate clients in the main charities and social care providers that by revenue would fall within the top 500 in the UK. He has historically (pre-July 2022) been involved in the leadership of the team for the services provided to these customers, which included - IT strategy, program delivery, partnership management, financials and some mergers and acquisitions.
Charlotte
Charlotte Rawsthorne
Charlotte Rawsthorne
Associate Director - Deputy Head of Social Care, Health & Care
Charlotte has over 32 years' experience in commercial insurance, starting in 1990 with 15 years in Commercial Underwriting followed by another 17 years working on the Insurance Broking side. For the last 8 years, Charlotte has specialised in large corporate care risks, working with a diverse range of care operators, from groups of elderly care homes to specialist mental health hospitals and anything in between. She is passionate about keeping clients at the heart of her work, and prides herself on delivering a quality service by really understanding the needs of her clients and keeping on top of what is happening in the industry. In her spare time, Charlotte focuses on her farmhouse renovation project, spending time with her ever-growing family and going for long walks and pub lunches.
Nina
Nina Evans
Nina Evans
Associate Director - Head of Client Services, Health & Care
Over the past 17 years, Nina has been managing large corporate clients across various markets to assist with scheme management. This has included the initial set up, holding scheme level underwriting authority, instrumental to the overall management of the performance. Nina has also managed a Bristol based Retention and New Business team for a large national brokerage specialising in the Health & Care sector.
Adam
Adam Packham
Adam Packham
Account Executive, Health & Care
Adam has 11 years’ experience working primarily with Social Care providers to help arrange suitable insurance and risk management solutions. Adam holds the Diploma in Insurance with the Chartered Insurance Institute.
James
James Chambers
James Chambers
Account Executive, Health & Care
James has worked in Broking within the care sector since 2013, assisting a range of care businesses from single care homes to national associations. He is passionate about working with and assisting organisations within the care sector, providing insurance advice and negotiating potential premium reductions for them. In his spare time, James loves to support his favourite teams Exeter City FC and Exeter Chiefs, as well as playing sports himself, practicing mindfulness and cooking.
Joe
Joe Purdy
Joe Purdy
Account Executive, Health & Care
Joe has worked in the Howden Care team since 2016, with a background in Property Owners and Commercial Insurance. He enjoys working as part of a friendly and professional team, that work tirelessly to help clients navigate an ever changing insurance landscape. In his free time, Joe enjoys building his record collection.
Kira
Kira Phillipou
Kira Phillipou
Senior Account Handler, Health & Care
Kira has worked in the insurance industry since 2016. Starting in Personal Lines and Property insurance broking, she moved to Howden in 2019, working with and supporting care businesses with their insurance needs. Kira enjoys building strong relationships with all of her clients, and acting as their trusted advisor. In her spare time, Kira enjoys spending time with friends and family.
Danielle
Danielle Hamer
Danielle Hamer
Senior Account Handler, Health & Care
With over 10 years’ of broking experience, Danni has great knowledge of the commercial market. In particular, Danni has spent five years specialising in the care and charity sector,
handling large corporate clients and providing insurance solutions for Health & Care clients.
Harriet
Harriet Purdy
Harriet Purdy
Training and Development Associate, Health & Care
Harriet has worked in insurance for over 10 years', starting off in general commercial insurance and gaining her CII certificates and diploma in insurance before moving to the Howden Health & Care Team in 2018. Harriet’s interest in policy detail and solving technical queries for her clients has brought her to her current role as Training and Development Associate, where she works with the team to keep product knowledge up to date and train new starters. During her time at Howden, Harriet has been part of the RESPECT committee which helps to support a diverse, inclusive and respectful culture in the workplace, and has also lead on several charity and fundraising initiatives for the Bristol office. Outside of work Harriet enjoys rock climbing and crafting, although most of her spare time is now spent looking after her 1 year old!
Patricia
Patricia Shipman
Patricia Shipman
Senior Account Handler, Health & Care
Pat has over 30 years’ experience in commercial insurance, starting with underwriting followed by 24 years in broking. Pat’s first passion has always been to look after clients’ interests and continually working to ensure broking solutions are available through good insurer relationships. In her spare time Pat and her husband are building their house and living on their land in a cabin, fitting in landscaping at the same time. When time permits she enjoys walking, travelling abroad and meeting friends and family.
Al
Al Jabbar
Al Jabbar
Account Handler, Health & Care
Al has over 12 years’ experience in Commercial Insurance, and has worked for some of the largest insurers in the UK before joining the Howden Care team. His favourite part of the role is talking to the care teams hard working service providers to negotiate the best deals for clients. Al loves watching sports, particularly Football, Rugby, Cricket and Boxing.
Connor
Connor Morgan
Connor Morgan
Account Handler, Health & Care
Connor has worked in the insurance industry since 2016, starting out as a Broker in Commercial Construction and Property before moving over to the Health & Care sector. Since joining the Howden Health & Care team in 2021, Connor has been helping those in the Care sector obtain competitive and quality insurance cover, and specifically enjoys providing advice and building relationships with clients. Outside of work, Connor is a keen NFL fan and supporter of the New York Giants. He also enjoys travelling and watching live music.
Tina
Tina Ly
Tina Ly
Account Handler, Health & Care
Tina has worked in the insurance industry since 2019. Starting out in Claims Handling and New Business, she has recently moved over to Client Retention. Tina specialises in the Social Care sector, from small domiciliary care companies to large care homes, she works with them to provide guidance primarily on Commercial Combined Insurance packages. In her spare time, Tina likes to experiment in cooking up new recipes and re-work vintage clothing.
Donna
Donna Norton
Donna Norton
New Business Account Handler, Health & Care
Donna has worked in the insurance industry for 7 years, specialising in the care sector. At Howden, Donna has progressed to her role as New Business Handler where she specialises in the Domiciliary Care and Care Home sectors. Donna prides herself on maintaining good customer relations whilst providing the best guidance and coverage packages to all clients. Outside of work, Donna enjoys ice skating and long walks with her two dogs.