Insurance and risk advice for SDA and care housing.
Specialist housing brings together property, people and complex operational risk.
Specialist Disability Accommodation is designed for people with extreme functional impairment or very high support needs, creating a sector where accessible design, participant wellbeing, property performance and provider obligations are closely connected.
Specialist Disability Accommodation is designed for people with extreme functional impairment or very high support needs, creating a sector where accessible design, participant wellbeing, property performance and provider obligations are closely connected.
Risk in SDA extends well beyond the building itself.
01.
Accessible design and certification
New SDA homes must meet detailed design and certification requirements, with assessment at both design and final as-built stages.
02.
Property damage and 
interruption
Damage to an SDA dwelling can affect both the asset and the continuity of accommodation for residents.
03.
Participant and visitor safety
Providers and property owners need to consider public liability, accessibility, emergency response and the safety of people using the property.
04.
Development and 
construction risk
New builds and refurbishments bring contract works, professional liability, defects and delay exposures.
05.
Provider and operational risk
Care delivery, support services, staff, contractors and third parties can introduce additional operational and liability exposures.
06.
Changing regulatory requirements
SDA providers operate within a developing regulatory environment, making regular review and informed advice particularly important.
Cover designed around the full SDA property and service environment.
Property Insurance
Protection for SDA dwellings, common areas, fixtures and associated property assets.
Business Interruption and Loss of Rent
Cover for income loss and additional costs following insured property damage.
Public and Products Liability
Protection against claims involving injury, property damage and activities connected with the premises or services.
Professional Indemnity
Cover for advice, design, management and professional services provided by relevant organisations.
Management Liability
Protection for directors, officers and organisations against management-related claims and investigations.
Cyber Insurance
Cover for cyber incidents, privacy breaches, data loss and interruption affecting property or care operations.
Contract Works Insurance
Protection during the construction or refurbishment of SDA properties.
Workers’ Compensation and People Risk
Workers’ Compensation and People Risk
Motor and Fleet Insurance
Cover for vehicles used by care, support or property-management teams.
Claims Management
Hands-on support from notification through to resolution, with advocacy focused on practical outcomes.
Advice for organisations across the SDA and care housing ecosystem.
01.
SDA Property Owners and Investors
Cover for individual dwellings and larger property portfolios, including property, liability and income-related exposures.
02.
SDA Developers
Risk advice across planning, construction, certification and handover.
03.
Registered SDA Providers
Insurance solutions shaped around provider obligations, property operations and participant environments.
04.
Care and Support Organisations
Advice for organisations delivering support services within SDA and supported living environments.
05.
Property and Asset Managers
Cover for organisations responsible for maintaining, managing and operating specialist housing assets.
06.
Associations and Industry Partners
Tailored programmes and support for member organisations working across disability, housing and care.
Specialist advice without losing the personal relationship.
We look at the whole operating model
We consider the property, ownership structure, providers, participants and services together rather than assessing each exposure in isolation.
Advice shaped around your role
The risks facing an investor, developer or registered provider are not the same. We structure advice around how you participate in the sector.
Proactive programme reviews
We help clients review changing property portfolios, operations and contracts throughout the year, not just at renewal.
Claims support when it matters
Our team stays involved during claims to help coordinate information, communicate with insurers and keep matters moving.
From risk to resilience means helping clients understand exposure early, put stronger protections in place and respond more effectively when something changes.
Supporting businesses working across specialist housing and care.
Talk to our SDA and care housing specialists.
Austin Rosier
Gagan Luthra
Guidance and commentary from the team
The Commute Gap: Why Journey Cover Matters for Your Employees
Omnisure Welcomes Rest Assured Insurance Services
Specialist Disability Accommodation (SDA): An evolving market
Let’s talk about your SDA and care housing risks.
