ECO4 & ECO+ Installer Insurance | Retrofit & Energy Efficiency Cover | SRS Insurance
ECO4 & ECO+ Installer Insurance | Retrofit & Energy Efficiency Cover | SRS Insurance
Specialist insurance for ECO4 and ECO+ contractors, installers, and retrofit coordinators. PAS2030 and TrustMark-compliant cover from SRS Insurance.
Who Works in the ECO Industry?
The ECO supply chain includes a wide range of specialist roles, such as:
- Retrofit assessors and coordinators (PAS2035-compliant)
- Installers (boilers, insulation, solar, ventilation)
- Project managers and energy surveyors
- Landlords and housing associations using ECO funding
- Subcontractors working under TrustMark-approved organisations
Each role carries specific compliance and liability exposures — meaning the right insurance is vital.
What Insurance Do ECO Contractors Need?
A comprehensive policy from SRS Insurance typically includes:
Because ECO work involves public funding, domestic properties, and compliance obligations, contractors must hold a combination of specialist commercial insurance policies.
Core Covers
A comprehensive policy from SRS Insurance typically includes:
- Public Liability Insurance – Protects against third-party injury or property damage. Required under TrustMark and PAS2030 standards.
- Employers’ Liability Insurance – Legally required if you employ staff or subcontractors.
- Contractors’ All Risks (CAR) – Covers works in progress, materials, tools, and site damage.
- Professional Indemnity Insurance – Essential for retrofit coordinators and assessors providing design or technical advice.
- Installation Warranty Insurance – Long-term (up to 25-year) protection for installed measures such as insulation or renewables — required under ECO regulations.
Optional / Recommended Add-Ons
- Non-Negligence (JCT 6.5.1) Insurance – Covers accidental damage to neighbouring property during major or solid-wall works.
- Tools & Equipment Cover – Protects items stored in vans or on-site.
- Cyber Insurance – Recommended for companies handling tenant data or using digital compliance systems (e.g. TrustMark lodgements).
- Legal Expenses Insurance – Covers disputes with councils, energy suppliers, or subcontractors.
Common Mistakes in the ECO Sector
Avoid the pitfalls that can lead to uncovered claims or compliance breaches:
- No Professional Indemnity cover for coordinators or assessors.
- Relying on standard Public Liability that excludes government-funded installs.
- Missing or invalid installation warranty certificates.
- Under-insuring multiple crews, vans, or subcontracted teams.
Typical Cost Guide
Premiums vary by turnover, team size, and scope of works:
| Business Type | Typical Annual Premium |
| Small ECO installer | £500 – £1,500 |
| Retrofit coordinator (with CAR & PI) | £1,500 – £3,000+ |
| Larger TrustMark-approved installer (multi-team) | £5,000+ |
SRS Insurance works with specialist underwriters familiar with ECO4 / PAS2030 compliance, ensuring you only pay for cover that meets scheme standards.
Why Choose SRS Insurance?
- Specialists in ECO4, ECO+, and Retrofit insurance
- Knowledge of PAS2030 & PAS2035 frameworks
- Access to TrustMark-approved insurers
- Advice tailored for installers, coordinators, and funding partners
- Fast documentation and renewal support
- Yorkshire-based brokerage with national coverage
Get a Quote Today
Stay compliant and protected under the ECO4 scheme with SRS Energy Efficiency Contractor Insurance.
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.
Charity Insurance for Non-Profits & Community Groups | SRS Insurance
Charity Insurance for Non-Profits & Community Groups | SRS Insurance
Protect your charity, trustees, and volunteers with tailored Charity Insurance from SRS. Public liability, trustee indemnity, safeguarding, and event cover available.
What Does Charity Insurance Include?
A flexible Charity Insurance policy from SRS Insurance can include:
Public Liability Insurance
Covers injury or property damage to third parties at events or during activities.
Employers’ Liability Insurance
Legally required if you have staff or volunteers working under your direction.
Trustee Indemnity / Management Liability
Protects trustees and officers from personal claims linked to mismanagement, compliance failures, or decision-making errors.
Professional Indemnity
For organisations offering advice, counselling, or case support.
Abuse & Safeguarding Cover
Essential for charities supporting children, elderly, or vulnerable adults.
Property Insurance
Protects buildings, offices, and contents including computers and equipment.
Event Insurance
Covers fundraising events such as fêtes, galas, sponsored walks, or community days.
Cyber Insurance (optional)
For charities handling donor information or sensitive client data.
Legal Expenses
Covers the cost of tribunals, employment disputes, or contractual disagreements.
Example Scenarios Covered
- A volunteer injures their back lifting boxes during a food bank delivery
- A safeguarding allegation is made against a youth support worker
- A donor sues trustees for alleged misuse of funds
- A laptop containing personal data is stolen from an office
- A fundraising event causes accidental damage at a hired venue
How Much Does Charity Insurance Cost?
Premiums depend on:
- Charity size and annual turnover
- Number of staff and volunteers
- Activities undertaken and level of public interaction
- Work with vulnerable individuals
- Property ownership and event exposure
Typical guide:
- Small local charity: from £150–£500 per year
- Mid-sized charity with staff/outreach: £500–£2,000+
- Charities with property or safeguarding risk: typically higher
SRS Insurance sources quotes from specialist charity underwriters, ensuring your organisation only pays for the cover it needs.
Why Choose SRS Insurance?
- Experts in charity, CIC, and non-profit insurance
- Tailored policies for volunteers, trustees, and events
- Access to leading UK insurers at competitive rates
- Support for CQC-registered, community, and faith organisations
- Fast, friendly service with claims handled personally
Get a Quote Today
Safeguard your people, property, and purpose with SRS Charity Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Contractors’ All Risks (CAR) Insurance for Builders & Developers | SRS Insurance
Contractors’ All Risks (CAR) Insurance for Builders & Developers | SRS Insurance
Protect your construction projects with SRS Contractors’ All Risks (CAR) Insurance. Covers contract works, public liability, tools, and plant for builders and developers.
Who Needs CAR Insurance?
CAR Insurance is designed for anyone involved in construction or property development, including:
- Builders and general contractors
- Developers (including self-build projects)
- Renovation and refurbishment specialists
- Property investors managing conversions or extensions
- Design & build companies
- Subcontractors working on large-scale projects
- Principal contractors under JCT or commercial contracts
It’s often required under:
- JCT contract terms
- Lender or mortgage conditions
- Commercial or local authority tenders
What Does CAR Insurance Cover?
A CAR policy typically includes:
Contract Works Cover
Protects the building works on site — including materials, labour, and temporary structures — against fire, flood, theft, vandalism, or storm damage.
Public Liability
Covers injury or damage caused to third parties or their property.
Employers’ Liability (if applicable)
Legally required if you employ staff or subcontractors under your supervision.
Own Plant & Hired-In Plant Cover
Protects machinery, scaffolding, tools, and hired equipment against theft or accidental damage.
Tools Cover (optional)
Protection for small tools and handheld equipment, up to chosen limits.
Contractor’s Joint Names Cover
Ensures both the contractor and property owner are insured under one policy — a common requirement in JCT contracts.
Example Scenarios Covered
Premiums depend on:
- Fire damages a partially built house extension
- Storm destroys scaffolding on a commercial site
- Theft of hired machinery or materials overnight
- A contractor accidentally drops debris onto a neighbour’s car
- A refurbishment project delayed by flood damage mid-build
Why CAR Insurance Is Essential
Without CAR Insurance, your business faces significant risk:
- Standard building insurance won’t cover works in progress
- Public liability alone doesn’t protect the project itself
- Fire, theft, or flood mid-project could cause costly delays
- Many clients and lenders require CAR cover before work begins
Why Choose SRS Insurance?
- Experts in construction and development insurance
- Access to leading UK insurers for competitive rates
- Cover compliant with JCT and lender requirements
- Fast documentation and simple claims process
- Independent advice tailored to your business needs
Get a Quote Today
Safeguard your construction projects with SRS Contractors’ All Risks (CAR) Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Business Insurance for Shops, Restaurants & Offices | SRS Insurance
Business Insurance for Shops, Restaurants & Offices | SRS Insurance
Protect your business with tailored cover from SRS Insurance. Flexible Business Insurance for shops, restaurants, offices, salons, and more.
What Does a Business Insurance Package Include?
A comprehensive policy can include:
Public Liability Insurance
Protects your business if a customer or member of the public is injured or their property is damaged.
Employers’ Liability Insurance
Required by law if you employ anyone, even part-time or casual workers.
Buildings & Contents Insurance
Covers your premises, fixtures, fittings, stock, signage, and business equipment.
Business Interruption Insurance
Covers lost income if your business must close temporarily following an insured event (e.g. fire, flood, or vandalism).
Money Cover
Protects against theft of cash on-site or while being transported to the bank.
Stock Insurance
For retail items, perishables, or high-value goods.
Glass & Shopfront Cover
Essential for shops, salons, and restaurants.
Goods in Transit
Optional cover for delivery or takeaway businesses.
Product Liability Insurance
Protects against injury or damage caused by products you sell or supply.
Legal Expenses Insurance
Covers legal costs for employment, tax, or contract disputes.
Cyber Insurance
Protects against data breaches or card payment fraud.
Example Scenarios Covered
- A customer slips on a wet floor in your café → Public Liability claim
- A fire in your kitchen forces you to close for four weeks → Business Interruption cover
- A stylist burns a client’s scalp in your salon → Treatment or Professional Liability
- A van is broken into during delivery → Goods in Transit claim
- Your retail shop is looted during civil unrest → Stock & Contents claim
How Much Does Business Insurance Cost?
Premiums depend on:
- Type of business and industry risk
- Location and security
- Turnover and number of employees
- Whether you own or lease premises
- Claims history and cover limits
Typical examples:
- Small shops/offices: £250–£750 per year
- Restaurants/salons: £500–£1,500 per year
- High-risk or multi-site businesses: from £2,000+
SRS Insurance works with top UK insurers to find the right protection at competitive prices.
Why Choose SRS Insurance?
- Specialists in SME and commercial insurance
- Tailored cover for shops, restaurants, offices, and salons
- Access to leading UK insurers and competitive quotes
- Expert local support and fast documentation
- Helping businesses stay protected, compliant, and confident
Get a Quote Today
Protect your business against the unexpected with SRS Business Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
High Value Home Insurance for Luxury Properties | SRS Insurance
High Value Home Insurance for Luxury Properties | SRS Insurance
Protect your luxury home, contents, and valuables with SRS High Value Home Insurance. Tailored cover for high-net-worth clients and multi-property owners.
Who Needs High Value Home Insurance?
Typical clients include:
- Business owners and company directors
- Property investors and landlords with luxury portfolios
- Celebrities, professionals, and public figures
- Owners of period or listed homes
- Anyone whose property or contents exceed the limits of standard insurers
If you’ve ever been refused cover due to high rebuild or contents value, this policy is designed for you.
What Does High Value Home Insurance Cover?
A comprehensive HNW policy from SRS Insurance includes:
Buildings Insurance
- Covers full rebuild costs, period features, listed status, and architectural details.
Contents & Valuables
- “Worldwide all-risks” cover for contents, valuables, and personal items — including accidental loss or damage anywhere in the world.
Specific Asset Protection
- Cover for:
- Jewellery and watches
- Fine art, antiques, and collectibles
- Designer fashion and high-end tech
Lifestyle & Additional Covers
- Home Emergency & Legal Expenses (included as standard)
- Cyber Protection – safeguards smart home systems and identity data
- Second Homes & Holiday Homes – add multiple properties under one policy
- Employers’ Liability – protects against claims from nannies, cleaners, or gardeners
Example Scenarios Covered
- A £25,000 Rolex is stolen abroad — fully covered under worldwide valuables protection
- A wine fridge leak damages a rare wine collection
- Storm damage destroys a listed country home — rebuild covered in full
- A £12,000 handbag lost in a taxi is replaced at full market value
Why Standard Home Insurance Isn’t Enough
Standard home policies often fail to protect high-value clients because they:
- Have low single-item limits (£1,500–£2,500)
- Cap contents at £50,000–£75,000
- Exclude art, jewellery, or collectibles without prior valuation
- Lack worldwide personal possessions cover
- High Net Worth insurance offers global protection, concierge-level service, and fewer restrictions.
How Much Does It Cost?
Premiums are based on:
- Property rebuild value
- Contents and valuables sum insured
- Claims history
- Number of homes insured
- Security systems and location
Typical guide:
- Homes worth £1M rebuild / £200k contents: from £800–£2,500 per year
- Higher for multi-home, listed, or art-collection properties
SRS Insurance works with leading high-net-worth insurers to deliver bespoke protection at competitive rates.
Why Choose SRS Insurance?
- Specialists in high value and luxury property insurance
- Access to the UK’s top private client insurers
- Expert valuations and policy tailoring
- Discreet, confidential service with fast claims support
- Dedicated personal adviser for every client
Get a Quote Today
Protect your lifestyle, assets, and peace of mind with SRS High Value Home Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Unoccupied Property Insurance for Vacant Buildings | SRS Insurance
Unoccupied Property Insurance for Vacant Buildings | SRS Insurance
Protect empty residential or commercial properties with SRS Unoccupied Property Insurance. Flexible short-term or long-term cover for empty buildings.
Why Standard Cover Isn’t Enough
After 30 consecutive days of being unoccupied, most insurers restrict cover to FLEA only:
- Fire
- Lightning
- Explosion
- Aircraft damage
This means escape of water, theft, malicious damage, and storm damage are no longer covered.
In some cases, insurers may even void the policy entirely if the unoccupancy isn’t declared.
That’s why a specialist unoccupied property policy is essential.
What Does Unoccupied Property Insurance Cover?
A tailored policy through SRS Insurance can extend beyond FLEA to include:
- Theft and vandalism
- Escape of water (e.g. burst pipes or leaks)
- Storm and flood damage
- Malicious or accidental damage
- Legal expenses for property-related disputes
- Public and property owner’s liability cover
Cover can be customised based on:
- Duration of vacancy
- Security measures in place
- Frequency of property inspections
- Whether renovation or development work is ongoing
Why Is Unoccupied Property Insurance More Expensive?
Empty buildings carry a higher risk of:
- Vandalism and arson
- Squatting or unauthorised entry
- Undetected damage (e.g. leaks or fires)
- Insurance fraud or malicious acts
Claims often go unnoticed for weeks, so insurers factor this into the cost.
Typical guide prices:
- Residential unoccupied property: from £250–£1,000+ per year
- Commercial or listed properties: higher, depending on size, condition, and location
How to Enhance Your Cover
You can often unlock wider cover and better premiums by maintaining basic safety protocols:
- Weekly property inspections (can be outsourced)
- Turn off and drain water systems
- Secure entry points and fit alarm systems
- Notify insurers of any planned building works
- Remove post and visible signs of vacancy
These measures demonstrate active risk management, which allows SRS to negotiate enhanced terms and lower premiums.
Example Scenarios
- A probate property left vacant over winter suffers severe water damage from frozen pipes.
- A commercial unit awaiting new tenants is vandalised after being left unsecured.
- A house in legal dispute is targeted by arson — only FLEA cover applies, leaving theft-related damage excluded.
Why Choose SRS Insurance?
- Specialists in unoccupied and vacant property insurance
- Access to leading UK insurers for flexible short- and long-term cover
- Option to insure multiple vacant properties under one policy
- Expert advice on risk reduction, inspections, and claim prevention
- Competitive pricing and responsive claims support
Get a Quote Today
Protect your empty building or investment property with SRS Unoccupied Property Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
TrustMark Members Insurance | PAS 2030 / 2035 Compliant Cover | SRS Insurance
TrustMark Members Insurance | PAS 2030 / 2035 Compliant Cover | SRS Insurance
Protect your retrofit or home-improvement business with TrustMark-compliant insurance from SRS Insurance. Tailored cover for PAS 2030 / 2035 contractors, coordinators, and installers.
Why TrustMark Members Need Specialist Insurance
Working under a government-backed framework means higher accountability, complex project chains, and strict audit standards.
Standard trades insurance rarely covers all of this.
SRS Insurance provides policies specifically designed to meet TrustMark and PAS 2030 requirements, giving you:
- Evidence of insurance for scheme audits
- Continuous compliance with BEIS / Ofgem guidelines
- Peace of mind that your business, staff, and customers are fully protected
Who We Cover
- Retrofit Installers – insulation, heating, solar, ventilation
- Retrofit Coordinators & Assessors – design, compliance & advice
- Main Contractors / Managing Agents – multi-measure ECO / GBIS projects
- Subcontractors & Specialist Trades – working under TrustMark or PAS 2030 firms
- Landlords & Housing Associations – upgrading stock through funded schemes
Core Covers for TrustMark Compliance
| Cover Type | Why You Need It |
| Public Liability Insurance | Required under TrustMark to protect against third-party injury or property-damage claims. |
| Employers’ Liability Insurance | Legal requirement if you employ staff or labour-only subcontractors. |
| Professional Indemnity Insurance | Mandatory for retrofit coordinators & assessors giving advice, specifications, or design input. |
| Contractors’ All Risks (CAR) | Protects work in progress, materials, and on-site plant/equipment. |
| Product & Completed Operations Cover | Essential for post-installation defects and consumer claims. |
| Installation Warranty Insurance | 25-year protection for energy-efficiency works (required for ECO / PAS 2030 jobs). |
| Non-Negligence (JCT 6.5.1) Insurance | Protects against accidental damage to neighbouring property during works. |
| Tools & Equipment Cover | Theft, loss, or damage cover for vans / on-site tools. |
| Cyber Insurance | Recommended for TrustMark-registered firms handling digital lodgements & tenant data. |
| Legal Expenses Insurance | Helps with contract, employment, or regulatory disputes. |
Optional Enhancements
- Directors’ & Officers’ (D&O) – Covers management decisions and personal liability.
- Fleet or Commercial Vehicle Insurance – One policy for all vans and engineers.
- Business Interruption – Income protection if operations are paused after a claim.
- Office & Contents Cover – For admin / compliance offices handling PAS 2035 documentation.
Common Insurance Pitfalls for TrustMark Members
Avoid these costly mistakes that can lead to failed audits or uninsured claims:
- Missing Professional Indemnity for coordinators / assessors
- Standard liability wording excluding ECO / government-funded work
- No installation warranty or evidence of cover for Ofgem inspection
- Under-insuring multiple teams or subcontractors
- Forgetting cyber & data liability for digital submissions
Typical Cost Guide
| Business Type | Typical Annual Premium |
| Sole-trader installer (PAS 2030) | £400 – £900 per year |
| Retrofit assessor / coordinator (with PI & CAR)** | £1,000 – £2,500 per year |
| Multi-measure TrustMark installer (teams & fleet)** | £2,500 – £5,000 + per year |
Premiums depend on turnover, project values, number of staff, and measures installed.
SRS works with specialist UK underwriters experienced in ECO and TrustMark schemes to ensure full compliance and competitive rates.
Why Choose SRS Insurance?
- Experts in TrustMark / PAS 2030 / PAS 2035 insurance
- Policies tailored for ECO4, GBIS, and retrofit funded work
- Access to scheme-approved insurers & warranty providers
- Fast quotes and instant documentation for audits or renewals
- Flexible monthly payments available
- Independent UK broker — trusted by installers nationwide
Get a Quote Today
Stay compliant, protect your business, and keep your TrustMark accreditation secure with insurance that meets scheme standards.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.
Tradesman Insurance for Builders, Plumbers & Electricians | SRS Insurance
Tradesman Insurance for Builders, Plumbers & Electricians | SRS Insurance
Protect your trade with SRS Tradesman Insurance — tailored cover for self-employed contractors, sole traders, and small businesses. Public liability, tools & accident cover.
Who Needs Tradesman Insurance?
Ideal for anyone working in the trades, including:
- Sole traders and self-employed contractors
- Subcontractors on larger projects
- Multi-trade professionals handling diverse work
- Small construction teams and start-ups
- Trades working on domestic, commercial, or local authority projects
If you interact with clients, work on-site, or employ others — this insurance is essential.
What’s Typically Included in a Tradesman Insurance Package?
Public Liability Insurance
Protects against third-party injury or property damage caused by your work.
- Standard cover limits: £1m–£5m
- Required for most commercial and council contracts
Employers’ Liability Insurance
Legal requirement if you employ staff — even casual or family members.
Tools Cover
Protects hand and power tools against theft, damage, or loss in your van, on site, or at home.
Optional, but crucial for trades relying on equipment.
Contract Works (Contractors’ All Risks)
Covers work in progress (e.g. extensions or refurbishments) against fire, flood, storm, or vandalism.
Personal Accident Insurance
Pays a lump sum or weekly benefit if you’re injured and can’t work.
Van Insurance
Often arranged separately, but essential for mobile trades.
Professional Indemnity (Optional)
For those offering design or advisory services, such as heating engineers, designers, or consultants.
Example Scenarios
- A plumber bursts a pipe in a customer’s home → Public Liability
- A roofer falls from scaffolding and can’t work for months → Personal Accident
- A joiner’s van is broken into overnight → Tools Cover
- A landscaper’s employee is injured on site → Employers’ Liability
- Storm damages a half-built house extension → Contract Works Cover
How Much Does Tradesman Insurance Cost?
Your premium depends on:
- Type of trade and associated risk
- Business size, turnover, and staff count
- Tool value and security measures
- Claims history and project type (domestic, commercial, or council)
Typical price guide:
- Sole trader with Public Liability: £150–£250/year
- With Tools + Accident Cover: £250–£600/year
- Construction firms: from £500+, depending on scope and contract value
Why Tradesman Insurance Matters
- Many tradesmen assume Public Liability alone is enough
- Council and commercial contracts often demand full documentation
- Tool theft is at an all-time high across the UK
- The right insurance package keeps your business legal, operational, and protected.
Why Choose SRS Insurance?
- Experts in UK trades and contractor insurance
- Access to leading specialist insurers for the trade sector
- Fast quotes and instant proof of cover for tenders or contracts
- Affordable, flexible monthly or annual payment options
- Local service and expert advice from our Yorkshire-based team
Get a Quote Today
Protect your trade, tools, and livelihood with SRS Tradesman 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.