More than just an insurance policy

We know that each care provider has unique requirements; that's why our underwriters work closely with you to ensure that your clients receive the care insurance cover which is important to them.

Care insurance policy cover

From registered care homes and providers of supported living to retirement villages and hospices, we have the expertise to protect a wide range of risks.

Cover can include:

  • Property damage
  • Equipment breakdown
  • Employers' liability
  • Public liability
  • Treatment and medical malpractice
  • Professional indemnity
  • Trustee and management liability
  • Legal expenses
  • Money
  • Loss of care registration.

For our full summary of cover please view our Care insurance policy summary below.

Client benefits

  • We provide cover which can be tailored to your client dependent on the types of activities they undertake.
  • Our building valuations service helps us to establish more accurate sums insured for your clients and reduces the risk of underinsurance. 
  • Our in-house risk team can also provide risk management guidance and advice at no additional cost.
  • We give customers access to experts via dedicated helplines focusing on commercial legal advice, tax advice and counselling for employees.
Ecclesiastical have been fantastic. They have gone above and beyond to return the building to us as quickly as possible. The speed and efficiency at which they have worked has meant repairs have been completed well ahead of schedule.

The Day Hospice Manager

Broker benefits

  • We have been insuring care homes, retirement villages, sheltered housing, hospice properties and more for over 30 years and our specialist knowledge means we understand your care clients.
  • We are financially secure with a rating from S&P is in their “strong” category and our rating from AM Best is in their “excellent” category.
  • We give access to experienced regional underwriters with autonomy to make decisions.
  • All of our services are in-house with underwriting, claims, survey and servicing all based in our UK regional teams.


We provide care insurance for organisations providing personal and nursing care, hospices and day centres that are registered or exempt charities.
If you are a charity, we can provide charity trustee insurance cover. This cover is provided on a ‘claims made’ basis, which means it covers only claims made against you – and notified to us – during the period of insurance. We must be notified as soon as possible of any claim or any circumstances likely to give rise to a claim.