Charity Insurance | Social Enterprises | Voluntary Organisations | Community Groups

Typical Risks

  • We can organise care homes for a wide variety of care organisations
  • Public liability insurance, medical malpractice, professional liability insurance
  • We support some clients in their risk management programmes and help others by checking contractual obligations

Care Home Insurance

Care Home Insurance requirements are as diverse as the organisations in the care sector.  With changes to UK insurance law in 2016, never has specialist, independent and quality insurance support been more important.

Ladbrook are independent, not tied to any one provider means that we can negotiate on your behalf to source the most appropriate cover.  We are third sector specialists too and offer a personal service with a dedicated Account Handler allocated to your organisation, when you call, you speak to someone that knows and understands your care home.


Marie Hallowes

Operations Director

It is essential to get good advice on your care home insurance needs. We can support your insurance placement and in some cases, support your risk management activities.

Marie Hallowes, Operations Director

Customer Reviews

Doodleaid would like to thank Ladbrook for their service, professionalism, speed of service and friendliness.  All staff were very helpful and we would have no hesitation in recommending Ladbrook.

Bev, Doodleaid

Very many thanks for getting the paperwork back to us today.

Sylvia also asked that I send the thanks and appreciation of everyone connected with Mental Health Aberdeen, for the skillful negotiations you have demonstrated – as evidenced by the affordability of our new policy. We shall certainly be recommending your brokerage, but especially the efficiency and friendliness of your team, to other charitable organisations in our area.

I hope you have a great weekend and once again, thank you all so very much.

Bea, Mental Health Aberdeen

We have just finalised our 7th annual insurance renewal through Ladbrook Insurance and are very happy with the service received. The Account Handlers have always striven to offer competitive quotes and answered any queries or given further explanations by email or phone as appropriate and we have found this personal touch not only professional but also very reassuring


Insurance for Care Home Facilities

Ladbrook can advise and help source insurance for a range of care facilities including  residential homes, retirement homes, childrens’ homes, hospices, care homes, rest homes and nursing homes for the elderly.

We are an independent broker and work with a number of specialists in the charity and care sector such as Ansvar / Ecclesiastical, Markel and CaSE.  We offer expert advice and a personal as part of our care home insurance proposition.

We will analyse your requirements including buildings insurance and any assets and contents that you own.  We will look at your liabilities regarding trustees, directors, staff, management, volunteers, patients, service users and the general public.

An importtant part of care home insurance is understanding the degree to which any medical care is exercised.  We will discuss this with you and the need for care home medical malpractice cover.

Sometimes our care home insurance customers seek support on a range of risk management issues.  This can range from simple advice to helping to organise full risk management support.  Some insurers, such as Markel, offer consultancy as part of their insurance package too and so we can discuss your needs and options for support.

One area we will offer advice in is your disaster recovery planning and how this relates to your care home business interruption provisions.  We can discuss the appropriate insurance for your care home in the event that your site becomes unusable.


Professional risks are also an area where we can provide advice.  Some local authorities might contractually insist on this cover and it is sensible protection for a large number of care facilities.  We will discuss your care home professional indemnity insurance cover and whether it meets your organisational needs.

Essentially, Ladbrook will provide independent advice for your care home and make sure your cover meets the requirements of the Care Quality Commission.