Care Home Insurance
Running a Care Home is full of challenges. Getting the right care home 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.
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.
We take the time to understand your situation and requirements and will seek to gain an in-depth understanding of your unique situation. We try and simplify the paperwork and provide clarity so you understand the coverage you need, making the process as hassle free as possible. This helps to ensure that we provide you with the most appropriate and comprehensive cover, tailored to meet your specific needs.
Furthermore, should you ever need to make a claim, we are here to support you every step of the way as a reliable partner, here to protect your interests and provide exceptional service.
The Lloyd & Whyte Community Broking expert team understand this market and have access to insurers who can provide the unique cover that this sector demands. You can trust that your insurance needs are in expert hands, allowing you to focus on what matters most to you.
What Makes Us Different?
You’re a part of our virtuous circle of giving. This means when you take out a Care Home Insurance policy with us, it enables us to give even more to our communities.
As part of the Benefact Group, we’ve given to local charities including Libraries Unlimited, Hands Up For Down’s, Musical memories Choir, and Foothold Cymru.
Why Local
Businesses Choose Us
Community-Focused Insurance
We care about protecting local businesses in our area. We understand the challenges and opportunities you face.
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In an online world, nothing beats expert advice from a real person. You get to speak to the same people whenever you need to get in touch.
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With a Heart
We’re part of the Benefact Group who give all available profits to good causes.