Few businesses have been hit by the effects of Covid-19 as acutely as those in the care sector. With government guidance and regulations continually changing and many businesses struggling to retain staff, the need for external risk management and insurance support has never been greater.


Care Capabilities

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Care Capabilities

In recent years, businesses in the care sector have been subjected to an unprecedented amount of pressure. With regulations continually changing and many facilities struggling to retain staff, the need for external risk management and insurance support has never been greater.

Harnessing deep sector expertise and an up-to-date, detailed knowledge of government regulations, best practices and common industry risks, Lockton’s dedicated Healthcare Practice is uniquely equipped to help you navigate this challenging environment.

We understand the complexities around the many business models within the sector, as well as the various risks associated with different types of care. Acting as your broker partner, we work closely with you to ensure a holistic view is taken of risk and that your strategic priorities are front and centre.

Leveraging our proven reputation among leading insurers, we’ll help you secure the right coverage at a cost that works for you.

What we bring to your business

Our Services

Property and business interruption

How we can help: Property and fire risk protection, business impact analysis, business interruption audit reviews, bespoke insurance programme design and thorough claims management.

General liability

How we can help: Bespoke liability insurance programme design, liability risk mitigation, proactive management of claims and potential litigation issues, statistical claims analysis


How we can help: Utilising relationships with market-leading insurers to secure best possible terms on cover, bespoke risk consulting services from our in-house experts.

Professional indemnity and medical malpractice

How we can help: Assisting with complaints, engagement with patients, claims management, advocacy to insurers, direct access to barristers, safety lessons, reviews of incident reports.

Management liability

How we can help: Support, knowledge and expertise to mitigate liability risks, satisfy underwriting expectations and acquire the appropriate insurance covers and protection.

How we support you

Claims advocacy

Our consultants have an average over 30 years’ experience managing complex claims in the care sector. We provide invaluable solutions to expedite the recovery of your business. Acting as your advocates, we’ll help you to protect both your residents, and your business.

Risk control

Our risk control specialists work with you to provide a comprehensive risk management strategy to reduce and prevent losses to your organisation. From reviewing physical risks and business continuity, to improving safety and working conditions for your staff and residents, we aim to establish effective risk control solutions based on your risk profile.


Leveraging decades of actuarial expertise, Lockton’s dedicated Analytics team provides bespoke analytics solutions and insights for care providers. By sharing easy-to-interpret data, our experts can help you to anticipate risks, and make better informed decisions.

The Lockton claims team are invaluable assets to us, providing exemplary support and guidance, helping us deal with incidents in a timely but sympathetic manner.

Vicky McNally, Corporate Governance Director, Cygnet Health

Cygnet Healthcare - an independent provider of mental health services, operating over 150 across the UK

Care Home Insurance FAQs

Each care and social care provider are slightly different and often there is no one size fits all coverage to insure all risks associated with owning and managing care homes. Care home insurance is typically purchased to transfer key risks including liabilities, medical mal- practice, property damage and business interruption, as well as directors’ and officers’ liability.

Without any care insurance coverage, homes could be taking these risks on their balance sheet, leaving them exposed in the event of a loss and unable to provide the right support to their customers and service users. Furthermore, evidencing care home insurance coverage will be an important part of local authority requirements.

Care homes face a myriad of risks from protecting services users and employees, to risks associated with damage to their homes and the equipment they use. In a highly regulated industry complying with industry regulations and HSE requirements are also important. More recently, cyber exposures and risks associated with the loss of personally identifiable and sensitive data must considered as part of a care home’s risk management.

Lockton look after 4 of the top 6 care providers in the UK and have a specialist team of healthcare and care sector professionals. The team are dedicated to helping care clients manage claims, risk and insurance across their portfolio of homes.

Our care sector and insurance expertise is specialist and leading. As an independent broker, we are focused purely on our customers and not driving shareholder value. This allows us to focus on driving the best outcomes for our care home clients.

Our team

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Andrew Nicholson

Partner - Risk Solutions

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Alex Titmarsh

Account Director
+44 743 596 9344

Download our brochure

In recent years, businesses in the care sector have been subjected to an unprecedented amount of pressure. The need for external risk management and insurance support has never been greater. Download our brochure and discover how Lockton can support you.

Download our brochure
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