Care Homes Insurance

This specially developed policy lets you get on with your day to day business and leaves us at New India to deal with the unexpected. Designed specifically for Care Homes, it combines your essential business insurances in one document.

When you take out a policy you will gain access to free Emergency Assistance and Legal & Tax Advice Helplines along with a Business Legal Services website resource all operated by ARAG plc.

Our standard policy includes cover for;

  • Trade Contents and Residents’ Clothing and Personal Effects
  • Landscaping as a result of damage by the Fire Brigade up to £5,000
  • Costs and expenses incurred in locating the source of any damage caused by Escape of Water or Oil up to £5,000
  • Accidental Damage to underground pipes, services and cables
  • Replacement of locks at the property following theft of keys up to £750
  • Loss of metered water up to £5,000
  • Breakage of fixed glass, sanitaryware and signs
  • Loss of Revenue and Increased Cost of Working
  • Book debts where accounts records are destroyed
  • Extensions include loss of income due to Denial of Access, Accidental Failure of public utilities, Notifiable Diseases, Defective Sanitation, Vermin or Pests and Murder or Suicide.
  • Costs of Alternative Accommodation expenses for Policyholder or employees where used for residential purposes up to £15,000
  • Money up to £2,500 with option to increase
  • Cover for bodily injury sustained directly as a result of assault or violence in connection with robbery or hold-up
  • Public Liability £5,000,000
  • Treatment Liability £5,000,000
  • Employers Liability £10,000,000
  • Goods in Transit up to £1,000
  • Refrigerated stock up to £1,000 following breakdown of refrigeration equipment

Further options available to include cover for;

  • Damage to Buildings including Debris Removal and Architects and Surveyors Fees
  • Reduction in the value of the business following loss of registration certificate up to £100,000
  • Loss of money or other property following dishonesty of employees up to £25,000
  • Legal Costs and Expenses up to the Limit of Indemnity selected relating to Employment Disputes, Employment Compensation Awards, Tax Protection, Property Disputes, Commercial Lease Disputes, Tenancy Protection, Compliance and Regulation, Directors Protection, Statutory Licence Protection, Contract & Debt Recovery and Crisis Communication.

Suitable Risks;

  • Care Homes for the Elderly (55+)
  • Care Homes for those 18+ with learning difficulties

Positive Features;

  • Low claims frequency
  • Trading history and experience
  • Superior security features
  • Disclosure and Barring Service Vetting for all staff
  • Low flood risk
  • Low Subsidence risk

Unacceptable Features;

  • Non-Standard Construction
  • Unoccupied risks
  • Unspent Criminal Convictions
  • Previous Liquidation / Bankruptcy / CVA
  • Service users under the age of 18
  • Those detained under the Mental Health Act 1983
  • Those displaying or with potential for displaying aggressive or violent behaviour
  • Those with a history of sexual offences, arson or attacks on persons or property
  • Those with a history of alcohol or drug dependence
  • Pre- and/or post-operative care
  • Surgery, endoscopy, haemodialysis, peritoneal dialysis or treatment by lasers


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Claims Information

Our Claim Promise

Attending to claims promptly, handling them efficiently through reputed, reliable and well-known firms of Loss Adjusters and settling the claims in a just, equitable and fair manner is New India’s philosophy to claims.

We handle claims with understanding, sympathy and appreciation of the claimant’s situation.

Making a Claim

  • Please report your claim immediately in accordance with your policy conditions to your Broker and to The New India Claims department using the number supplied below.
  • To ensure a faster, easier service please make sure you have your policy number and any other relevant details to hand.
  • In the event of any loss by theft or malicious damage to your property, this should be reported to the police immediately.
  • A claim form must be duly completed and submitted to The New India Claims department using the address or fax number below within 60 days of the loss/damage.

Please do not delay in contacting your Broker or the Claims Department of New India as soon as you are aware of a claim or possible claim, even if all the above information is not immediately available.

Commercial Claims Office