Care Sector Insurance UK Specialist Cover for Care Homes, Domiciliary Providers and Fostering Agencies
From single care homes to multi-site care groups, domiciliary services to fostering agencies, Artemis Insurance Brokers arranges specialist care sector insurance built around the real risks of UK care provision abuse allegations, resident claims, CQC action, staff injury, and safeguarding exposure.
FCA Authorised
BIBA Member
30+
Year Protecting UK businesses
20+
Specialist sectors covered
95%
Client retention rate
50+
Insurer and Lloyd's partners
1000+
Businesses and professionals insured
Care Sector Insurance Built for Every Type of UK Care Provider
Care isn't one industry, it's many. A large care home faces different risks than a small domiciliary service, a children's home, a fostering agency, or a self-employed carer working with one client. We arrange specialist care sector insurance for every type of UK care provider, with policies shaped around the specific risks, regulations, and responsibilities of your service.
Care Solutions
What Is Care Sector Insurance?
Care sector insurance is a specialist type of business insurance designed to protect UK care providers including residential care homes, domiciliary services, supported living providers, children's homes, fostering agencies, and self-employed carers against the unique risks of delivering care. Most policies can combine public liability, employers' liability, abuse cover, professional indemnity, medical malpractice, property cover, and business interruption into a single package shaped around how your service actually operates. Care insurance in the UK is built around the regulatory framework (CQC, Ofsted, Care Inspectorate), the safeguarding responsibilities you carry, and the real-world risks of looking after vulnerable people.
Care Solutions
How It Works Care Sector Insurance in 4 Simple Steps
Sorting out care sector insurance shouldn't take days of phone calls, confusing forms, or pressure to buy a policy that doesn't fit. At Artemis, we've built a simple, transparent process that helps UK care providers get the right cover in place quickly, honestly, and with a real broker on your side from the very first call.
01
Tell Us About Your Care Service
Start with a quick call or online enquiry. We'll ask about your service residential, domiciliary, supported living, fostering, or self-employed your team, the people you care for, and the risks you actually face. No generic forms, no jargon, no pressure. Just a straightforward conversation with a broker who understands UK care.
Takes around 10 minutes
03
Review Your Cover Options
We'll walk you through the best options in plain English: no jargon, no hidden exclusions, no pushy upsells. You'll see exactly what's covered, what's not, and why each insurer matters for care providers. Choose the policy that fits your service, your people, and your budget with proper guidance from a real broker.
Quote reviewed at your pace
02
Whole-of-Market Search
Because we're an independent insurance broker with access to Wide UK insurers and Lloyd's market specialists, we compare cover options across the wide UK care insurance market not just one insurer or a small panel. You get access to specialist care schemes, broker-only facilities, and proper abuse cover that direct sites can't offer.
Done within 24/48 hours
04
Ongoing Support and Claims Help
Once your cover is in place, we stay on your side. Need to update cover when you take on new service users, change services, or expand? Need help with a CQC issue, safeguarding claim, or staff incident? Need a free renewal review? That's what a real care insurance broker does and it's all included in your service at no extra cost.
Real support, whenever you need it
Types of Cover We Arrange
Types of Care Sector Insurance We Arrange
Every major insurance cover that UK care providers need is arranged by an independent broker who searches the whole market. Each cover can be bought standalone or combined into a single care insurance UK policy that saves cost, admin, and gaps in protection.
Public Liability Insurance
Protects your care service if a resident, service user, family member or visitor is injured or has property damaged on your premises or during care delivery. Essential for every UK care provider and required by most CQC, Ofsted and local authority contracts.
Professional Indemnity Insurance
Covers your service if a claim is made that your care advice, assessment, care planning, or service decisions caused harm or financial loss. Essential for fostering agencies, supported living providers, and any service delivering professional care planning.
Cyber Insurance
Protects against data breaches, ransomware attacks, ICO investigations under UK GDPR, and cyber-related business interruption. With care providers holding some of the most sensitive personal and medical data in the UK, cyber cover is now an essential not an optional add-on.
Employers' Liability
A UK legal requirement for any care provider with one or more employees: care workers, nurses, support workers, kitchen staff, drivers, and any team members on your payroll, including casual and shift-based workers. Covers staff injury, illness, and workplace claims, particularly manual handling and emotional strain injuries common in care.
Medical Malpractice
Specialist cover for nursing care, medication administration, clinical interventions, and treatment-related claims. Essential for nursing homes, services with registered nurses, and any provider delivering clinical care alongside personal care.
Residents' Personal Property Cover
Covers theft, loss or damage to residents' personal belongings, clothes, jewellery, photographs, hearing aids, mobility equipment and personal effects. A small cover that prevents big family disputes and demonstrates care providers' duty of care.
Abuse Cover
Specialists cover protecting your service against allegations or claims of physical, emotional, sexual or financial abuse by staff, by other service users, or by third parties on your premises. Increasingly demanded by commissioning bodies and one of the most important protections in modern care insurance.
Buildings, Contents & Property Cover
Protects your care premises, fixtures, fittings, equipment, and stock against fire, theft, flood, vandalism, and accidental damage. Including specialist cover for care-specific equipment like hoists, profiling beds, and mobility aids.
Still got questions? That's what we're here for. Speak to an Artemis broker for honest, independent advice on any aspect of UK care sector insurance: no pressure, no jargon, no obligation.
Why Choose Artemis
When buying care sector insurance in the UK, you've got three main options: go direct to an insurer, use a comparison site, or work with an independent broker. On price they can look similar, but what you actually get and what happens when an abuse allegation, CQC issue, or major claim lands couldn't be more different.
A comparison site shows you the cheapest price. An independent broker like Artemis does neither; we look at how your practice actually works, compare the whole UK market, and build cover that fits. You get the right protection, a real broker to call when a patient complains, and someone on your side when it's time to claim.
What Our Clients Say About Artemis
The Principle Director and Artemis has provided years of service for our various Insurance programs. With a wide range of products and services, and a highly knowledgeable workforce, they have the tools necessary to meet the needs of any customer. We are proud of our continuing business relationship with them, and look forward to many more years of working together
Autogem Invicta is one of the leading suppliers in automotive chemicals, fastners, hand tools, tyre and workshop consumables and exhaust fittings
We have worked with the Principle for over 10+ years. The team at Artemis offer a very personalised service by understanding our companies need and offer competitive packages to suit our requirements. I would highly recommend Artemis for any company looking at adopting a one stop shop for all insurance requirements.
Ambe provide and distribute pharmaceutical products, medical devices and food supplements all over the world
Ambe Limited
I've enjoyed a 20 year association with the principals of Artemis - very efficient, professional and high calibre service. Highly recommended.
Sheridans are specialist lawyers in leisure, media and entertainment
Care Sector Insurance FAQs
Still got questions? That's what we're here for. Speak to an Artemis broker for honest, independent advice on any aspect of UK care sector insurance: no pressure, no jargon, no obligation.