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.
Comprehensive Cover for Supported & Assisted Living Providers
SRS Insurance offers specialist Supported and Assisted Living Insurance designed for organisations providing accommodation and support to vulnerable individuals.
Whether you manage CQC-regulated supported living or Ofsted-regulated children’s homes, our tailored policies protect your property, staff, and service users — ensuring full compliance and peace of mind.
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.
Property Owners & Landlords – Important Considerations
If you’re leasing your building to a care provider, standard buy-to-let insurance may be invalid.
You’ll need commercial property insurance specifically for supported or assisted living use.
This often includes:
- Declaration of tenant type and care usage
- Consideration for local authority leases
- Optional rent guarantee and public liability cover
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.