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.
SRS Insurance – Specialist Insurance for Ofsted-Registered Children’s Homes
Running a children’s home is a major responsibility. The regulatory framework is strict, safeguarding expectations are high, and the risks are far more complex than in standard commercial settings.
For this reason, Ofsted-registered children’s homes need specialist insurance built around the realities of residential childcare.
SRS Insurance provides tailored protection for new and existing providers, from single homes to multi-site care groups.
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.