Supported Living Insurance in London
Supported Living Insurance in London
SRS Insurance provides specialist supported living insurance for providers operating across London. We work with care organisations delivering regulated and non-regulated services in one of the most highly scrutinised care environments in the UK.
London-based supported living providers face increased safeguarding, reputational and regulatory risk. Insurance must be carefully structured to reflect staffing models, service intensity and the duty of care owed to vulnerable individuals.
Frequently Asked Questions
Yes. We arrange specialist supported living insurance for providers operating throughout London.
Yes. Insurance is structured to reflect staffing levels, service intensity and safeguarding responsibilities.
Yes. Many providers handle sensitive personal data, making cyber insurance an important consideration.
Why Choose SRS Insurance?
- Experts in care and supported living insurance
- Knowledge of CQC and Ofsted compliance requirements
- Access to specialist insurers for regulated care services
- Fast, reliable documentation and claims support
- Independent advice and competitive pricing
Related Supported Living Insurance Pages
Protect your supported living business with a tailored policy that meets CQC or Ofsted requirements.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Supported Living Insurance in the North West
Supported Living Insurance in the North West
SRS Insurance arranges specialist supported living insurance for providers across the North West of England. We support organisations delivering adult supported living, children’s homes and semi-independent services under CQC or Ofsted oversight.
The North West has a dense care provider landscape, with services operating under significant regulatory and commissioning pressure. Insurance must go beyond standard business cover to address safeguarding responsibilities, staff activity and regulatory accountability.
Frequently Asked Questions
Yes. We arrange supported living insurance for providers operating throughout the North West, including regulated and non-regulated services.
Professional indemnity is often essential where care planning, advice or support decisions are made as part of service delivery.
Legal expenses cover can be arranged to help with defence costs arising from CQC or Ofsted investigations, subject to policy terms.
Why Choose SRS Insurance?
- Experts in care and supported living insurance
- Knowledge of CQC and Ofsted compliance requirements
- Access to specialist insurers for regulated care services
- Fast, reliable documentation and claims support
- Independent advice and competitive pricing
Related Supported Living Insurance Pages
Protect your supported living business with a tailored policy that meets CQC or Ofsted requirements.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Supported Living Insurance in Yorkshire
Supported Living Insurance in Yorkshire
SRS Insurance provides specialist supported living insurance for organisations operating across Yorkshire. We work with providers delivering regulated and non-regulated supported living services, ensuring insurance arrangements reflect real operational, safeguarding and regulatory risks.
Yorkshire has a high concentration of supported living provision, including CQC-regulated adult services and Ofsted-registered children’s and semi-independent accommodation. Providers face increasing scrutiny around safeguarding, staffing practices and regulatory compliance, making specialist insurance essential.
Frequently Asked Questions
It is designed for supported living providers, care organisations and charities operating across Yorkshire, including CQC and Ofsted regulated services.
Yes. Insurance must reflect whether services are regulated by the CQC or Ofsted, as each carries different regulatory and safeguarding requirements.
Yes. Abuse and safeguarding cover can be included and is strongly recommended for supported living services.
Why Choose SRS Insurance?
- Experts in care and supported living insurance
- Knowledge of CQC and Ofsted compliance requirements
- Access to specialist insurers for regulated care services
- Fast, reliable documentation and claims support
- Independent advice and competitive pricing
Related Supported Living Insurance Pages
Protect your supported living business with a tailored policy that meets CQC or Ofsted requirements.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
SRS Insurance | Specialist Insurance for Ofsted-Registered Children’s Homes
SRS Insurance | Specialist Insurance for Ofsted-Registered Children’s Homes
SRS Insurance provides specialist cover for Ofsted-registered children’s homes, including buildings, liability, management protection, safeguarding extensions, cyber cover and risk-management support for residential childcare providers.
Why Children’s Homes Need Specialist Protection
Children’s residential care involves risks that ordinary landlord or business policies are not designed to cover. Homes must manage behaviour, safety, compliance, staff welfare, local authority requirements and Ofsted’s regulatory standards.
Common risks residential homes face include:
- Safeguarding allegations involving staff or residents
- Damage to the property caused intentionally or accidentally
- Injuries to staff, agency workers or night teams
- Slips, trips, falls and behavioural incidents
- Fire, escape of water and malicious damage
- Complaints, investigations or enforcement by Ofsted
- Errors in care planning, reporting or record-keeping
- Cyber breaches involving sensitive child information
SRS Insurance designs policies specifically to account for these exposures.
Core Insurance Covers for Children’s Homes
1. Public Liability Insurance
Covers injuries or damage involving visitors, parents, professionals and contractors on the premises.
2. Employers’ Liability Insurance
Legally required and essential for:
- Care staff
- Waking night / sleep-in workers
- Registered Managers
- Domestic staff
- Volunteers under instruction
3. Buildings Insurance
Covers the structure against:
- Fire
- Flood
- Storm
- Escape of water
- Malicious or resident-caused damage
SRS Insurance ensures rebuild values meet regulatory and insurer expectations to prevent underinsurance.
4. Contents Insurance
Covers:
- Care staff
- Waking night / sleep-in workers
- Registered Managers
- Domestic staff
- Volunteers under instruction
5. Management Liability (Trustee/Director/Officer Cover)
Protects Responsible Individuals, Registered Managers and senior staff from claims relating to:
- Fire or flood
- Major structural issues
- Enforced closure or safety events
6. Safeguarding & Abuse Insurance (Optional)
Enhanced cover for homes supporting higher-risk placements such as EBD or SEMH environments.
7. Business Interruption Protection
Covers income loss if the home becomes uninhabitable due to:
- Mismanagement
- Errors in documentation
- Regulatory breaches
- Decision-making failures
8. Cyber Insurance
Protects against:
- Data breaches
- Ransomware
- System compromise
- Invoice or payment redirection fraud
Critical for homes storing sensitive child information.
Who SRS Insurance Supports
SRS Insurance works with a wide range of providers, including:
- New applicants entering the sector
- Single Ofsted-registered homes
- Multi-home groups
- EBD & SEMH residential services
- Emergency/crisis homes
- Step-down or transitional services
- Homes run by new RIs or first-time Registered Managers
We support you at every stage — from idea → registration → operation.
Support Beyond Insurance
SRS Insurance goes further than arranging cover — we help you build a safe, compliant and sustainable service.
We assist with:
- Pre-registration guidance for Ofsted applicants
- Business plan structure and financial projections
- C2 property suitability and planning considerations
- Safe layout and environmental recommendations
- Risk assessment support linked to Regulation 12
- Evidence preparation for local authority referrals
- Documentation guidance for commissioners
Our support helps new homes open confidently and established homes operate safely.
Why Choose SRS Insurance for Children’s Homes?
Key benefits of working with SRS Insurance:
- Care-sector specialist knowledge
- Insurance tailored specifically for residential childcare
- Experienced with Ofsted requirements
- Fast documentation for registration and referrals
- Personal advisor — not a call-centre
- Access to specialist A-rated insurers
- Full claims support from start to finish
- Ongoing compliance and risk guidance
We protect the home, your team and — most importantly — the children in your care.
Frequently Asked Questions (FAQ)
Yes — insurers can issue a quote in principle and activate coverage once your URN is allocated.
No. Residential childcare requires its own specialist policy.
Yes — SRS Insurance can stage your cover depending on your setup timeline.
Speak to SRS Insurance About Your Children’s Home
If you are setting up a new home or reviewing an existing one, SRS Insurance can provide tailored, specialist protection.
We can help you:
- Review your existing insurance
- Identify cover gaps and compliance risks
- Support rebuild valuations
- Tailor your cover to your care model
- Provide documents required for Ofsted and commissioners
Protect your supported living business with a tailored policy that meets CQC or Ofsted requirements.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Domiciliary Care Insurance for CQC-Registered Providers | SRS Insurance
Domiciliary Care Insurance for CQC-Registered Providers | SRS Insurance
Specialist Domiciliary Care Insurance from SRS — designed for CQC-registered home care agencies. Protect your carers, clients, and business operations.
Who Needs This Insurance?
Domiciliary Care Insurance is essential for:
- Start-up home care providers and agencies
- Community Interest Companies (CICs) delivering local care
- Private home support services
- Businesses funded by local authorities or the NHS
- Live-in care companies
- Even sole traders providing regulated personal care
If you provide any level of regulated home care, CQC expects you to hold an appropriate insurance policy.
What Does Domiciliary Care Insurance Cover?
A comprehensive policy from SRS Insurance typically includes:
- Public Liability – injury or property damage in a client’s home
- Employers’ Liability – legally required if you employ carers or office staff
- Professional Indemnity – mistakes in care planning, record-keeping, or advice
- Medical Malpractice – errors in medication, treatment, or care
- Abuse Cover – protection against allegations or incidents of abuse
- Legal Expenses – representation for tribunals, CQC investigations, or disputes
- Personal Accident – optional cover for carers working in high-risk environments
- Contents & Equipment – protection for office and mobile care equipment
Failure to hold appropriate insurance can delay registration or lead to enforcement action.
Optional Add-Ons
- Cyber Insurance – for safeguarding client data and medical records
- Business Interruption – covers loss of income during enforced closure
- Directors’ & Officers’ Liability (D&O) – protects senior management and trustees
How Much Does It Cost?
Premiums depend on:
- Number and type of staff
- Scope of care (basic assistance vs. complex medical tasks)
- Local authority or NHS contracts
- CQC inspection history or start-up status
- Business structure (Ltd, CIC, or sole trader)
Indicative range:
- Start-up care agency: from £3,000–£4,500 per year
- Established multi-staff provider: from £5,000+
SRS Insurance will compare the UK’s leading care sector insurers to find you the right cover at a competitive rate.
Why Choose SRS Insurance?
- Specialists in CQC-regulated and domiciliary care insurance
- Access to trusted underwriters for the care and social support sector
- Expert help with CQC compliance and registration
- Tailored policies to match your services and structure
- Dedicated claims and support team
Get a Quote Today
Protect your care business, your staff, and your clients with SRS Domiciliary Care Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Supported Living Insurance for CQC & Ofsted Providers | SRS Insurance
Supported Living Insurance for CQC & Ofsted Providers | SRS Insurance
Specialist Supported Living Insurance from SRS for CQC and Ofsted-regulated providers. Protect property, staff, and service users with tailored cover.
What Is Supported or Assisted Living Insurance?
Supported Living Insurance provides protection for businesses that deliver care, housing, and life-support services to adults and children in supported environments.
It safeguards your organisation against the unique risks faced in regulated care, including abuse claims, regulatory action, and medical errors — all of which standard business insurance won’t cover.
In the UK, these services are often commissioned by local authorities and funded through social care budgets, housing benefit, or personal budgets. The nature of your care provision and regulatory framework determines the exact cover you need.
Types of Providers & Regulatory Requirements
Supported Living (Ages 16+) – CQC Regulated
- Supports adults or young people aged 16 and over
- Clients may have learning disabilities, autism, or mental health needs
- Regulated by the Care Quality Commission (CQC) only when personal care is provided
- If no personal care is given, the service is classed as unregulated housing support
- Commonly operated by CICs, charities, or limited companies
Children’s Homes & Semi-Independent Living (Under-16) – Ofsted Regulated
- Provides accommodation and care for children under 16
- Regulated by Ofsted with strict safeguarding and staffing requirements
- Requires specialist children’s home insurance
- Must include abuse cover, staff vetting, and legal protections
What Should the Insurance Include?
A comprehensive Supported Living Insurance policy typically covers:
- Buildings Insurance – for owned or leased premises
- Public Liability – injury to residents, visitors, or third parties
- Employers’ Liability – mandatory if you employ staff or carers
- Professional Indemnity – protection for advisory or care planning activities
- Medical Malpractice – if staff administer medication or healthcare tasks
- Abuse Cover – essential for vulnerable adult and child environments
- Legal Expenses – including tribunal defence and regulator investigations
- Loss of Registration Income – if your service is suspended or closed
- Business Interruption – protection against downtime
- Contents & Equipment – including assistive technology and care aids
What Standard Insurance Won’t Cover
Generic landlord or public liability policies won’t protect you against the key risks in supported living:
- Abuse or safeguarding allegations
- Regulatory enforcement by CQC or Ofsted
- Staff providing personal care or medical tasks
- Medication errors or supervision failures
- Responsibility for unaccompanied minors
- Registered care home compliance
That’s why choosing a specialist broker like SRS Insurance is vital for proper protection.
Frequently Asked Questions
Supported living insurance is designed for organisations delivering care or support services to vulnerable adults or young people, including CQC-regulated and Ofsted-registered providers.
Yes. Standard business insurance often excludes care activities, safeguarding exposure and regulatory risk, which supported living insurance is specifically designed to cover.
Yes. Even where services are not regulated, insurers must understand the support being provided to ensure cover remains valid and effective.
How Much Does Supported Living Insurance Cost?
Premiums depend on:
- The type of services provided (housing support, personal care, or residential care)
- Staff numbers, training, and qualifications
- Regulatory body (CQC or Ofsted)
- Property count and risk profile
- Safeguarding procedures and previous claims
Example guide:
- Small supported living providers (1–2 homes): £3,000–£5,000/year
- Children’s residential homes: £5,000+ due to higher regulation and liability exposure
Why Choose SRS Insurance?
- Experts in care and supported living insurance
- Knowledge of CQC and Ofsted compliance requirements
- Access to specialist insurers for regulated care services
- Fast, reliable documentation and claims support
- Independent advice and competitive pricing
Get a Quote Today
Protect your supported living business with a tailored policy that meets CQC or Ofsted requirements.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.