We couldn't tell the trade from that, so these are the broad commercial markets. Add the trade and the class of cover for a sharper list.
Underwriter briefReady
What underwriters will focus on
Children’s residential care home, with safeguarding, abuse allegations and care-related liability the main underwriting concerns. Expect scrutiny of regulatory reports, resident needs, restraint practices, staffing and claims history.
Where to start
Markel UKStrong first approach for care-sector expertise and combined liability, malpractice, professional indemnity and property options.
EcclesiasticalSpecialist care and charity-sector approach, with property, employers’ liability, public liability and malpractice options.
Specialist market lockedAppetite fit and referral checks locked
Specialist market lockedAppetite fit and referral checks locked
Hard to place?
Markel UKInsurer★ Specialist appetiteStrong fit
Appetite
Strong first approach for care-sector expertise and combined liability, malpractice, professional indemnity and property options.
Check
Check children’s residential eligibility, abuse wording, restraint exclusions and any conditions tied to regulatory findings.
Risk carried byi
Markel International Insurance Company Limited Source
UK markets that write children's residential home risks
We found 114 UK markets that write children's residential home risks: 27 insurers, 85 MGAs and 2 Lloyd's markets. Commonly listed: Markel UK, Ecclesiastical.
Placing notes
Abuse and safeguarding liability dominates, so Ofsted registration and ratings, staffing levels, DBS checks and safer recruitment come first. The ages and needs of residents and any allegations history are also explored.
Also known as
children's home, looked after children placement, residential care for young people, LAC home
For insurers and MGAs
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