Care.

Certain policies can cover legal defence costs linked to regulatory investigations, inspections and enforcement actions. We tailor cover to support you through scrutiny while minimising operational disruption.

They can be. Directors and Officers (D&O) insurance protects individuals against claims linked to governance decisions, regulatory failures, financial management and employment matters. This is particularly important for charities, not-for-profits and regulated care providers.

We review your service model, contracts and regulatory obligations, then align your insurance programme accordingly. This ensures compliance with CQC-style frameworks, local authority contracts and funding requirements.

Business Interruption insurance protects income and ongoing costs if your service is disrupted due to insured events such as property damage, equipment failure or external incidents. This helps maintain continuity of care when it matters most.

Yes. Care organisations handle highly sensitive personal and health data and are a prime target for cyberattacks. Cyber insurance covers data breaches, ransomware, system outages and regulatory fines, as well as specialist incident response support.

Note: cover for regulatory fines and civil monetary penalties (including ICO fines under UK GDPR) is subject to policy terms and applicable law, and may not be available in all circumstances.

Yes. Many providers operate mixed services. We design a single, cohesive programme that reflects residential, community, disability, mental health and outreach services without leaving gaps or duplicating cover.

Specialist policies can include crisis management and public relations support following serious incidents. Combined with proactive claims handling, this helps you manage communication with families, regulators and stakeholders.