"I moved to Centricity two years ago, they saved the business a considerable amount of money and also gave me better insurance cover. Would highly recommend them to anyone in the security industry!"
James Brooks
A1 Security Protection Ltd
Key insurance products for the Care Sector
Our experienced team are here to advise on the most appropriate covers for your unique business needs at every stage but some of the key products are detailed below.
Buildings & Contents
Comprehensive Asset Insurance with options for floating cover for multiple sites.
Find out moreBusiness Interruption
Protect your business and income in the event of a loss, with an exhaustive list of extensions.
Find out moreEmployers Liability
Employers Liability coverage is a legal requirement which protects your business should a claim arise following a workplace injury.
Find out morePublic Liability
Public Liability protects your business in the event of Third-Party Bodily Injury or Property Damage.
Find out moreMedical Malpractice
Protects your business in the event of allegations of malpractice, covering legal defence costs and compensation awards.
Find out moreManagement Liability
A properly constructed Management Liability will protect you as a Director or Officer and your business entity for a wide…
Find out moreWhat Our Clients Say
"I’ve now worked with the team at Centricity for over ten years during which time our business needs have diversified and evolved significantly. The experienced and approachable team are always on hand even outside of your usual 9-5 to assist, ensuring that our cover is adequate for our needs and I’ve always found them to be extremely competitive too which is an added bonus. I would highly recommend Centricity to anyone, and over the years I’ve referred many of my contacts and they’ve been equally as impressed with the service provided! "
MD, Axiom Projects Ltd
"Since we started working with Centricity years ago now, they’ve been friendly, professional, and always on hand to help. Year on Year our Insurance renewals have been straightforward and pain free!"
Hicham Rhioui
Falcon Energy Limited
Our 360 Promise
At Centricity, we pride ourselves on delivering exceptional service to our clients.
That’s why we created the 360 Promise—to ensure consistent quality, proactive support, and unmatched responsiveness at every step.
We promise to be there when you need us, provide rapid documentation, and take a proactive approach to secure the best outcomes for your business.
24/7 Support
24/7 Direct Dial numbers for your account management
24/7 claims reporting line and emergency assistance
Fast Documentation & Communication
Cover Changes actioned & acknowledged the same business day
Queries handled same day and resolved within 7 days
Confirmation of Cover or Renewal sent the same day
Employers Liability Certificate issued within 7 days
Policy Documents issued within 14 days of inception/renewal
Proactive & Comprehensive Service
Pre-Renewal contact at least two months before renewal
Complimentary Collateral Warranty checking
Claims settlements made within 7 days of offer acceptance
Claims reported to Insurers the same business day
CentriCare
Frequently Asked Questions
Find clear answers to tailored insurance cover for CentriCare risks.
Is Medical Malpractice insurance or treatment cover a legal requirement for UK care businesses?
No, Medical Malpractice insurance is not a statutory legal requirement for all care businesses in the UK. However, it is widely considered the most essential coverage type for the sector. If your care business employs registered healthcare professionals, carries out medical procedures, or provides direct clinical and healthcare treatments, specialised Medical Malpractice (clinical negligence) insurance is effectively expected by regulators and insurers to safeguard operations.
When is Professional Indemnity insurance required within the care industry?
Professional Indemnity insurance is required whenever a care provider provides professional advice, designs care plans, or employs registered healthcare professionals. While not a standalone statutory law for every entry-level provider, it is effectively expected across the UK care industry because it covers your legal liability if a professional service, advice breakdown, or management omission causes a client to suffer a financial loss, injury, or physical harm.
What are the required insurance limits for liability cover within the UK care sector?
Except for the legal minimum of £5 million for Employers' Liability, there is no single statutory insurance limit across the UK care sector. Instead, the Care Quality Commission (CQC) in England requires providers to demonstrate appropriate indemnity arrangements tailored to their risk profile. To meet CQC expectations and standard local authority contract tenders, the typical baseline industry limits are £10 million for Employers' Liability, £5 million to £10 million for Public Liability, and £5 million for Medical Malpractice.
| Coverage / Risk Exclusion | Standard Commercial Policy | Centricity Specialised Cover |
|---|---|---|
| Coverage / Risk Exclusion Medical Malpractice / Treatment Liability | Standard Policy Limit Often excluded by general commercial public liability, or restricted to non-medical personal care. | Centricity Specialised Cover Included as standard – Full protection for healthcare providers against allegations of negligent clinical care or treatment causing resident harm. |
| Coverage / Risk Exclusion Professional Indemnity | Standard Policy Limit Usually treated as an expensive separate add-on, leaving advice gaps in standard policies. | Centricity Specialised Cover Integrated cover – Protects against financial losses, advice errors, or service omissions arising from care management. |
| Coverage / Risk Exclusion Public Liability | Standard Policy Limit Standard market forms often carry restrictive exclusions regarding specific third-party care environments. | Centricity Specialised Cover Robust third-party indemnity – Full defence and cover against claims for bodily injury or property damage caused by business activities. |
| Coverage / Risk Exclusion Employers' Liability | Standard Policy Limit Might offer entry-level limits that struggle with complex, long-term occupational illness claims. | Centricity Specialised Cover Comprehensive £10m statutory cover – Fully protects the business against injury or work-related illness claims brought by care staff. |