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

As a small charity, excellent service is very important to us when choosing the right insurance policy for our organisation. Ladbrook Insurance have always been very helpful when guiding us with regard to the best insurance policy.  We have used them as our broker now for three years and will continue to do so.  Their staff always give us the best of attention at all times.

Chloe Palmer, Director, Trent Rivers Trust

After several disappointing experiences with other brokers I found Ladbrook Insurance to be a breath of fresh air! Any queries I have had regarding my policy have been answered quickly and without any hassle.  The customer service is excellent. They have an extensive knowledge of their insurers and found me an excellent policy.  Thank you!

Samantha, Pass on Preloved Items

First class service from an agent who went above and beyond to source the perfect insurance for our charity, FASD Aware Northern Ireland.  Nothing was to much bother and someone was always on hand to answer any questions.  Thank you so much for all your help and for your kind and friendly service

Alison McNamara, FASD Aware NI

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.