DUAL UK expands social care insurance offering

DUAL expanded its social care insurance appetite with an enhanced package targeting children’s homes and Special Educational Needs (SEN) schools.

The updated proposition combines property, business interruption, casualty, public and employers’ liability, abuse cover, medical malpractice, and professional indemnity into a single package backed by A-rated capacity.

DUAL said the offering was designed for both new and established providers operating in a heavily regulated sector facing rising demand and increasingly complex care needs.

The expansion comes as the UK children’s care market continues to grow. According to Ofsted data cited by DUAL, the number of children’s homes increased 15% to 4,010 in March 2025, driven by pressure on fostering services and demand for specialist local placements.

The product is underwritten by DUAL UK’s social care team, led by Managing Director James Ramira, who has more than 20 years of experience in the sector.

“By bringing a number of strands of insurance together, we’re removing gaps and providing real reassurance for providers and brokers that the right protection is in place,” Ramira said.