Insurance for Health & Social Care Providers
Specialist insurance for care providers requires more than a standard commercial policy.
Whether you run a care home, domiciliary care agency, supported living service, or mental health facility, you need tailored protection that reflects the unique risks and regulations within the health and social care sector.
At W B Baxter, we understand the complexities of your work and the responsibilities you carry every day. From safeguarding vulnerable individuals to complying with CQC requirements, we help ensure your organisation is protected at every level.
Tailored Cover for Care Providers
We provide flexible insurance solutions for:
- Residential and nursing care homes
- Domiciliary and home care agencies
- Supported living services
- Respite and day care centres
- Mental health and rehabilitation services
- Private therapy and healthcare practices
Public Liability
Public liability insurance for carers covers claims made by third parties for injury or property damage caused by your staff or activities — essential for care environments.
Employers’ Liability
Employers’ liability for care homes is legally required if you employ staff. Protects you against claims for injury or illness suffered by employees in the workplace.
Professional Indemnity
Professional indemnity for care workers provides cover for claims arising from professional advice, negligence, or errors made by care workers or health practitioners.
Management Liability
Management liability insurance for care providers protects directors, managers, and trustees from legal action relating to decisions made while running the organisation.
Cyber Liability
Covers data breaches, ransomware, and loss of sensitive client or patient information — vital for care providers handling personal data.
Business Interruption
Helps recover lost income and operating costs following an insured event that disrupts your service, such as fire or flood.
Compliant and CQC-Ready Care home insurance
With ever-increasing scrutiny from the Care Quality Commission, your insurance policy needs to support your compliance journey. We help you meet regulatory requirements with cover that aligns with your risk assessments and operational model.
Why Choose W B Baxter?
- With decades of experience arranging business insurance across regulated sectors, we provide:
- Expertise in the health and social care insurance
- Access to leading insurers and bespoke schemes
- Dedicated account handlers who understand your challenges
- Fast, efficient claims support
- Flexible cover that grows with your service
Need advice? Get in touch.
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Frequently asked questions
Is insurance a requirement for CQC registration?
While the Care Quality Commission (CQC) doesn’t mandate specific insurance types, it does expect providers to have appropriate policies in place to manage risk. Employers’ liability insurance is a legal requirement if you employ staff, and most care providers will also need public liability and professional indemnity as part of their risk management strategy.
What level of public liability cover should I have?
This depends on the nature and scale of your services. Most care providers take out between £2 million and £10 million in cover, especially where vulnerable people are involved. We’ll assess your risk profile and help you decide on the right level of protection.
Can you cover multiple services under one policy?
Yes, we can combine cover for care homes, domiciliary services, supported living, or therapy services under one commercial combined policy. This simplifies administration and ensures there are no gaps between different service areas.
What is the best insurance for CQC registered providers?
The best insurance for CQC registered providers typically includes public liability, employers’ liability, and professional indemnity cover, along with any sector-specific protections such as abuse cover or legal expenses. We tailor each policy to meet your CQC compliance needs, ensuring you’re protected both operationally and from a regulatory standpoint.
Do live-in carers and personal assistants need insurance?
Yes. Insurance for live-in carers and personal assistants is essential, especially if you work independently or through a direct payment arrangement. Public liability and professional indemnity insurance protect you against claims for injury, negligence, or property damage. If you employ staff or handle medication, additional cover may be required.
Why is cyber insurance important for private healthcare providers?
Cyber insurance for private healthcare providers is crucial due to the volume of sensitive personal and medical data stored and transmitted. It offers protection against data breaches, ransomware, and system outages — covering recovery costs, legal fees, and potential regulatory fines under GDPR.
Chartered Status
Adler Fairways is a Chartered Insurance Broker. Chartered status is the gold standard. It is only awarded to brokers that are committed to developing and maintaining the knowledge and capability of their people to deliver the highest quality service.
Experienced
Clients benefit from the combined strength and expertise of the W B Baxter and Adler Fairways Insurance Brokers Limited teams, delivering consistently high standards of service while supporting the future of the insurance industry and local communities.
Independent
We are proud of our independent status, built on strong family business values that remain at the heart of everything we do, guiding our continued growth, development and commitment to exceptional client service.