Supported Living Insurance

Helping ageing and vulnerable people

We provide supported living business insurance to organisations helping vulnerable people to live independently in their communities.

Supporting elderly or vulnerable people to live independent lives can be an immense privilege but also comes with great responsibility.

As an organisation, you will be faced with numerous risks to manage and mitigate as you run your business, take care of your staff and help to protect those in your community who rely on your services. It is therefore important to choose an insurance broker with experience in this sector.

Gallagher has provided insurance for supported living facilities for many years and we understand the environment in which you work and the unique challenges you face. We can arrange specialist cover to help protect your organisation and the activities you undertake to support your clients.

What is supported living insurance?

Supported living insurance or assisted living insurance as it is sometimes known, is designed to protect organisations that support vulnerable people to live independently in their own homes or supported living facilities. These could be elderly people, young adults, or people with physical disabilities and/or mental health needs.

Having adequate assisted living business insurance in place is important because if your organisation is held liable for an accident or injury, or damage to a person’s property, for example, it could lead to significant financial loss if you are not sufficiently protected.

What can supported living insurance cover?

Standard cover will typically include the following.

Public liability: Cover if a service user, member of the public or other third party is injured, or their property is damaged, and your business is held liable.
Employers’ liability: Protects your organisation financially in the event of a compensation claim by an employee or volunteer if they suffer an injury while they are working for you (including psychological injury).
Property and contents damage: If you own your buildings, this cover will step in to cover the cost of repair due to incidents such as fire, flood, vandalism or storm damage.
Professional indemnity: Cover to protect you if a service user or family member makes a claim against your business for negligent advice or service.
Abuse cover: Unfortunately, allegations of abuse can happen in this industry. This specialist supported living liability insurance cover is designed to provide protection against an incident or alleged incident of abuse involving a service user.
Treatment risk: Provides protection for legal defence and compensation in the event of a claim by a service user for injury (such as adverse reactions) caused by treatments they have received from your company.
Loss of registration: Covers you for losses associated with having your registration certificate withdrawn.

Frequently asked questions

What additional covers are available?

In addition to the standard covers, we can also offer the following assisted living insurance coverage:

Business money: Cover for cash held on your business premises, at home, in transit or carried in person.
Legal expenses: Protection to cover your legal fees if you become involved in a dispute with a service user, their family or another third party.
Business interruption: Insures your business for loss of income due to an unexpected event that results in a period of time in which you cannot operate business as usual.
Medical malpractice: If your organisation is the subject of a compensation claim due to malpractice or unintentional injury, this form of cover can be invaluable.
Motor fleet cover: Protection for your business vehicles, covering third-party liability, own vehicle damage and other coverage according to your requirements, such as cover for personal belongings.

Who can be covered by supported living insurance?

Supported living business insurance is available for supported care facilities of all sizes who provide a service for vulnerable people who are living independently. This could be elderly people who want to remain in their own home, young adults who require assistance in the absence of parental support, or people with disabilities or complex mental health issues.

Gallagher can also create a supported living insurance policy to provide insurance for senior care facilities which help elderly people enjoy a level of independence.

We also provide care insurance for other types of care homes, including senior living insurance for nursing homes, and cover for hospices, children’s homes and residential care homes.

How much does supported living insurance cost?

A supported living insurance quote will vary according to the size and scope of your business, and the services you provide. Some businesses may require additional covers to be included in their policy, such as cover for vehicle fleets—this is just one area where assisted living care insurance can differ from a more traditional care home insurance policy.

We can work with you to determine suitable coverage that reflects the needs of your organisation. It is always our aim to balance sufficient cover with reasonable cost.

How do I arrange supported living insurance?

As a broker with specialist experience in the care industry, we can arrange an appropriate assisted living insurance policy for your business. Simply connect with us and we will be in touch to set up a call with you and discuss your cover requirements.

Why choose Gallagher?

With 25 years’ experience in providing insurance for the care sector, we understand the challenges your business faces. We also know that no two care agencies are the same, and supported living agencies have a distinct set of risks to manage and mitigate.

We will build your insurance programme especially to suit your needs and business operations so that you can be confident in your chosen cover and cover levels. We have exclusive access to insurers specialising in the care sector and can combine multiple covers under a single policy, which can save you money and time on administration.

Like you, we are dedicated to providing personal service. This means you will have a dedicated Gallagher contact throughout your policy year to support and advise you. We also have our own in-house claims team.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

Choose the levels of cover to suit your organisation
Dedicated Account Executive all year round
Additional covers available such as business interruption and fleet covers
Extensive experience working within the care sector

Gallagher Care Team

0800 062 2325