Specialist insurance for care homes, nursing homes, retirement homes & domiciliary care

Key features

  • core package to cover your liabilities, buildings & contents, with business interruption insurance
  • abuse cover included as standard

Key benefits

  • specialist team experienced with the care sector
  • 24 hour legal helpline

We can arrange comprehensive insurance packages for care homes, nursing homes, retirement homes and domiciliary care.

Core cover 

  • public liability £5 million
  • medical malpractice £5 million
  • employers liability £10 million
  • building & contents cover
  • business interruption
  • legal expenses cover (including 24 hour legal helpline)
  • abuse cover
  • residents effects


Key features

Extra cover options

  • Increased public liability to £10 million
    Although legislation only requires care homes to have public liability cover for £5 million, some local authorities recommend an increase cover level of £10 million. It’s best to check with your local authority what they recommend.

  • Lift & electrical systems breakdown

  • Directors and officers indemnity

  • Vehicle cover (including minibus)

Want more detail? Read the Medicover policy summaries.

Not sure which covers you need? Our specialist team will be able to advise you.


The policy summary gives you:

  • More detail on the Medicover core covers that are provided by Aviva.
  • A summary of the liability covers, property cover, and business interruption.

The legal expenses summary gives you:

  • More detail on the Medicover legal expenses cover which is underwritten by Abbey Legal, Brit Syndicate 2987 at Lloyd’s of London.

The legal expenses cover is included as standard with the Medicover policy.

How to claim

The quickest way to make a claim is to contact Aviva directly. You will need your policy number.

    For property claims

  • 0845 300 7605
  • For liability claims (that relate to injury)

  • 0800 587 5142
  • For liability claims (that relate to property)

  • 0845 301 6042 (Company name from A-L)
  • 0845 302 8434 (Company name from M-Z)

Need help making a claim?

Give us a call 0845 485 3198

Lines open Monday to Friday 9 till 5. Calls may be recorded.

Articles and top tips 

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If you’re running a business which employs anyone apart from yourself – even if they’re unpaid – then you must take out this insurance. 

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