Care Homes
Care home insurance offers comprehensive coverage for care facilities, protecting against risks like property damage, liability claims, employee injuries, and safeguarding residents and their belongings.
Domiciliary Care
Domiciliary care insurance offers essential protection for care providers delivering services in clients' homes, covering public liability, employee risks, and safeguarding against claims related to professional negligence or accidents.
Assisted Living
Assisted living provides a supportive housing option for seniors or individuals with disabilities, offering help with daily activities like bathing, medication management, and meals while promoting independence in a safe, community-oriented environment.
Children’s Homes
Children’s Homes require specialised insurance to ensure the safety and well-being of children in their care, covering property, staff liability, and safeguarding against potential risks and incidents.
A typical Care Sector insurance policy might include:
- Public Liability Insurance
Covers claims for third-party injuries or property damage caused by the business operations. - Employers’ Liability Insurance Mandatory coverage for employee injuries or illnesses sustained while working.
- Professional Liability Insurance Protects against claims of negligence, malpractice, or errors in the provision of care.
- Property Insurance Covers damage to buildings, furnishings, and equipment due to risks like fire, theft, or floods.
- Business Interruption Insurance Provides financial support for lost income if operations are disrupted by a covered event.
- Abuse and Safeguarding Cover Offers protection in cases of allegations of abuse or mistreatment, ensuring legal and financial support.
- Medical Malpractice Insurance Specific to healthcare providers, covering claims of professional errors or omissions in medical care.
- Contents and Equipment Insurance Protects essential care equipment and contents against damage, theft, or loss.
- Cyber Liability Insurance Protects sensitive patient and operational data from cyberattacks or breaches.
- Legal Expenses Insurance Covers legal costs for disputes involving employment issues, compliance, or other operational matters.
- Resident Personal Effects Insurance Covers damage or loss to personal belongings of residents under the care of the facility.