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Care Homes and Healthcare Premises

Care Homes

As the need for care home places expands rapidly, the development of care homes has of course grown to fill this need. Care homes are being developed and built across the country in record numbers, as well as very substantial extensions and refurbishments, to keep up with the demand for places.

Structural and Weatherproofing Guarantees

Residential Care Homes and Healthcare Premises need vital protection against defects in the structure and weatherproofing. These polices generally run for ten years from practical completion of the build (though we can also arrange twelve year cover where the contract is under seal).

Increasingly we are finding that care home owners are specifying this cover as part of the contractual requirements and we can help put this cover together for you, guiding you through the options and obligations. Latent Defects Insurance (also known as Inherent Defects Insurance) plays a key part in getting an deal across the line, protecting the care home, owners and investors alike.


Funders looking to invest in the care home and healthcare sectors of course want to minimise risk and look to provide as much security for the delivery on that investment.

One of the risks they look to protect is that of defects within the property which occur within the first ten or twelve years after completion. Such defects can prove very costly and have a knock-on effect on income due to a reduction in resident numbers. Funders manage this by putting a Latent Defects policy in place, not only for the building itself but also for any consequential loss of income. This safeguards the investment and avoids costly and lengthy legal battles under collateral warranties, during which time the defects deteriorate and the loss is exacerbated.

Loss of Income

We find that the loss of income extension, providing vital long term protection for the care home owner/funders is a key element here, which can be included at minimal additional cost.

New Builds and Conversions/Extensions

We look after all of these aspects of care home works, providing a competitive and comprehensive Latent Defects policy to protect owners and funders, encouraging investment and speculation in this growing sector.

Contact Us

Working with you, we will put a solution together to fit your needs – tailor made to do the job.

As specialists in this field we work with funders, developers and owners to put together a competitive solution. Working with us not only keeps the cost down (increasing the return on investment) but also means you get the right policy (ie insurance cover and policy basis). You also have the benefit of being able to refer to us if you have any queries on the cover to be provided, as we work with numerous providers in this sector.

Contact the specialists and we will be happy to help.

BLG House, 86A High Street Whetstone, Leicestershire, LE8 6LQ

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