Specialist cover for CQC and Ofsted-regulated providers — built around safeguarding obligations, staff liability and the operational realities of delivering regulated care.
Regulated care environments carry a concentration of complex, interrelated risks that off-the-shelf SME insurance rarely addresses adequately.
Inspection ratings directly affect insurer appetite. A 'Requires Improvement' rating can trigger policy restrictions or non-renewal.
Allegations — whether substantiated or not — generate expensive legal and reputational exposure requiring specific PI and GL cover.
Care planning decisions carry professional liability that standard SME PI policies frequently exclude or sub-limit below adequate levels.
Mixed employed/agency/self-employed carer models create EL coverage gaps requiring specific policy wording to address.
Staff administering medication creates specific professional liability exposure — particularly where registered nurses are employed.
CQC-mandated closure or suspension of registration creates severe business interruption exposure rarely covered under standard policies.
We build programmes that address the full risk profile — not just the obvious covers.
Employed & agency staff
Residents, visitors & third parties
Care plans, assessments & decisions
Directors & officers cover
Buildings, equipment & specialist fit-out
Including regulatory closure scenarios
Care management systems & resident data
Care delivery & transport vehicles
Each sub-sector carries a distinct risk profile. Here's what matters for yours.
Residential care homes carry a unique concentration of risk — high staff headcount, vulnerable residents, complex property requirements and growing regulatory scrutiny from CQC.
Dom care providers face dispersed risk across multiple client homes, employed and self-employed carer models, and vehicles on the road daily — often with limited management oversight.
Supported living sits at the intersection of residential property risk and care liability. Providers often need both property owners cover and care liability in a combined programme.
Ofsted-registered providers face specific liability risks around child safeguarding, outdoor activities, vehicles used for school runs, and the consequences of an adverse inspection.
Our brokers understand the CQC inspection framework, NHS and local authority contract requirements, and the insurer appetite — and restrictions — that apply to regulated care environments.
We know which insurers maintain appetite for 'Requires Improvement' rated providers — and how to structure the programme to protect against mid-term changes.
NHS and local authority contracts often specify minimum PI and PL limits. We review your contracts and ensure your programme meets those requirements.
We have established relationships with specialist care insurers — not general commercial insurers placing care as an afterthought.
Our broker team will review your existing programme, identify gaps, and come back with a full comparison — typically within 24 hours.