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Care organisations

Comprehensive insurance cover designed for the unique challenges faced by care organisations.

With over 30 years of experience supporting care policyholders, Markel UK is one of the UK’s leading insurers within the sector. We understand this diverse sector has a broad range of insurance requirements, and our comprehensive insurance solutions cater for a wide range of care providers, social enterprises, and not-for-profit organisations.

Dedicated organisations need a dedicated insurance solution to match

Markel UK offers a wide variety of coverages for care organisations.

Our insurance can be tailored to organisations that provide services to children and vulnerable adults.

Children's services

Types of businesses include: care and day centres, community and youth organisations, counselling and therapy services, education, literacy and training services – not ‘conventional’ schools and colleges, foster care, nurseries, playgroups and out-of-school clubs, rehabilitation, residential care for children, respite care providers

Vulnerable adult services

Types of businesses include: Adult placements/assisted living, care and day centres, community organisations, counselling and therapy services, domiciliary care, education, literacy and training services, hospices, rehabilitation, residential care for adults, respite care providers, shelters and refuges, supported living

We understand the sector-specific risks faced by those in the industry. That is why we’ve specifically designed our insurance solutions to protect against the unique risks that care organisations face, such as abuse, breach of professional duty, medical malpractice, and volunteers. What’s more, as a specialist insurer, Markel UK can provide retro abuse cover in the event that clients have previous periods of claims-made abuse, ensuring these gaps in cover provision do not leave clients exposed.

The coverage available can be customised to suit your organisation's specific needs, which generally fall into the three areas of risk below:

Responsibilities to third parties

Public and products liability, professional liability, management liability, and entity defence*

Protection of assets

Fidelity*, cyber risks*, legal expenses*, property damage*, and business interruption*

Responsibility as an Employer

Employers liability*, employment law protection*, and employees personal accident*

*Optional covers available at an additional cost

Key products and services sold on a standalone basis to this industry:

Markel Care

Commercial combined policy designed to support care organisations so they can focus on what really matters.

Markel Care Practitioners

Bespoke care practitioner consultancy supporting on a range of regulatory, risk and commercial matters.

Legal expenses insurance

LEI that’s delivered by trusted legal experts. In addition to our advice services, our in-house law firm provides specialist expertise when the unexpected happens.


Cyber risks cover designed to protect against both liabilities and the policyholder’s own losses, including legal, IT security and regulatory costs.

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Does your existing insurer provide market-leading solutions for UK SMEs?

Additional services*

Clients also have access to additional services to help policyholders navigate everyday challenges. Depending on your coverage, you can opt in or add services you need for an additional cost.

Care practitioner consultancy

Bespoke care practitioner consultancy on a range of regulatory, risk and commercial matters.

Business and legal helpline

Markel’s in-house team of lawyers offers advice on everyday legal and employment matters such as GDPR and disclosure, contractual queries and employment disciplinary.

Business Hub

Access 850+ documents, contracts, templates and videos to support you.

*Please refer to your policy for exact services included. Learn more.

Cover designed for firms operating in specialist sectors offering high-value or complex advice.

Markel Care

Commercial combined policy designed to support care organisations so they can focus on what really matters.

Case studies

Navigating your everyday challenges

We understand the issues faced by those who care for vulnerable and disadvantaged members of society and have designed products and services to help support numerous aspects of the care industry.

Insights and resources