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Care Home Insurance

Man caring about flowers at home. care home insurance
Thoughts of days gone by. Shot of a nurse caring for an elderly woman at a care home insurance

Running a Care Home is full of challenges. Getting the right insurance shouldn’t be one of them!

If you operate within the care and social welfare sector, you will need to work with an insurance adviser who cares about service as much as you do. We understand the complex risks and challenges which you and your trustees face, and the need for specialist cover to support your club, nonprofit groups, or charity.

Care Home Insurance is a type of cover designed for organisations who provide care for elderly people, physically disabled individuals, or dementia patients. Standard insurance doesn’t include vital protection against specific risks in the care industry which could leave your staff and business vulnerable.

In addition to traditional business insurances, the care industry encounters distinct risks that our Care Home Insurance policy specifically addresses. These include medical malpractice, professional indemnity, and safeguarding against loss of registration. You also need insurance to cover risks such as damage to your buildings or contents due to an event such as a fire or flood. Our dedicated advisers are ready to engage with you to tailor coverage that safeguards your care home against these specific challenges.

We can provide tailored advice and solutions, enabling you to manage your risks and find appropriate types and levels of cover to meet your needs, whether you are running a nursing or residential care home, dementia care home, hospice, day care centre, supported living facilities or care homes for adults with mental health issues and addictions or with learning difficulties.

Man caring about flowers at home. care home insurance
Thoughts of days gone by. Shot of a nurse caring for an elderly woman at a care home insurance
Man caring about flowers at home. care home insurance
Thoughts of days gone by. Shot of a nurse caring for an elderly woman at a care home insurance

You should consider:

· Public Liability- to protect you against the cost of any compensation claims resulting from illness, injury or damage to property for third parties such as clients, residents, donors, volunteers, users, customers or suppliers.

· Employers Liability- a legal requirement if you have paid staff or volunteers.

· Trustee Indemnity- protection for directors and officers, providing cover for legal costs in defending trustees and their actions.

· Cyber- protect against cyber attacks, hacking, data loss and reputational damage.

· Buildings & Contents- Repairs and replacements for damage to buildings, equipment, and fixtures & fittings.

· Professional Indemnity Insurance- vital for organisations providing advice or care services, as cover against claims of negligence or inappropriate service.

Speak to our expert team who understand this market and have access to insurers who can provide the unique cover that this sector demands.

Call us to discuss your specific care home insurance needs.

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