Care Sector Insurance
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.
High Risk Liability
High Risk Liability
High-risk liability insurance offers the protection your business needs to operate confidently, knowing that you’re covered against unforeseen claims and lawsuits that could otherwise result in substantial financial losses.
Why Choose High-Risk Liability Insurance?
Businesses in high-risk sectors—such as construction, manufacturing, healthcare, or security—face unique challenges.
With high-risk liability insurance, you can protect your company from incidents involving third-party injuries, property damage, or negligence claims that might arise in your daily operations.
We tailor our coverage to address your specific industry risks, ensuring comprehensive protection for every potential hazard.
What's covered?
Coverage Options:
- General Liability: Safeguards against claims of bodily injury or property damage.
- Professional Liability: Protects against claims of negligence or mistakes in professional services.
- Product Liability: Offers coverage if a product you manufacture or sell causes harm or damage.
- Excess Liability: Provides additional coverage limits when claims exceed your primary policy.
Industries We Cover:
Our high-risk liability insurance solutions are designed for a variety of high-exposure industries, including:
- Construction and Contracting
- Healthcare Providers
- Manufacturing and Industrial Services
- Hospitality and Events
- Security and Surveillance
We have helped hundreds of customers
Why us?
With years of expertise in high-risk insurance, our solutions are customised to fit the size, scope, and particular needs of your business. We work closely with you to assess potential risks and design a policy that offers peace of mind and comprehensive protection.
Business Insurance
Shop Insurance
Our Shop Insurance packages can cover your premises and stock and keep your business going in the event of a claim.
Office Insurance
Office Insurance can protect not only your office premises and equipment, but also your employees, stock, money and more.
Protection for Directors (D&O)
If you’re a Director or Senior Manager of a company, Directors and Officers Liability Insurance can protect you from being Sued personally for the actions of the company.
Restaurant, Café & Takeaway Insurance
If you run a successful restaurant, you’ll know that it can be a demanding and even risky profession.
Manufacturer / Warehouse / Distribution Insurance
If your business is making money from making things, you need the right manufacturing insurance policy.
Hotels, Night Clubs and Gyms
Business insurance for hotels, nightclubs, and gyms provides essential coverage against property damage, liability claims, and business interruptions, ensuring operations run smoothly and safely.
Places of Worship Insurance
Mosque Insurance
We provide tailored insurance packages to protect your Masjid/ Mosque. Speak to one of our experienced team at Secure Risk Solutions today.
Synagogue Insurance
Protect your Synagogue with specialist Synagogue insurance. Falcon Insurance has years of experience helping Synagogues – have a question or query? Contact us today for a quote.
Church Insurance
If you’re looking for church insurance talk to Secure Risk Solutions. We are a highly motivated Insurance broker who provide fast documentation, unrivalled customer service and a 24 hour claim line.
Gurdwara Insurance
We aim to protect your Gurdwara against the unforeseen. Our policy will provide you with the help and support you need to ensure that you are covered for the unexpected to ensure you are back to serving your community with minimal disruption.
Hindu Temple Insurance
Our Hindu Temple Insurance ensures that you are protected against all eventualities. We are highly experienced in providing this type of insurance from ensuring your PI policy covers all activities that take place, right through to trustee insurance.
Protecting your Place of Worship
Looking for insurance for your religious buildings? Then you couldn’t be in more capable hands! As a specialist church and places of worship insurer, we understand your specific needs, and we are able to provide tailored, customised policies to meet these needs. Whether you need wide-ranging ecclesiastical insurance or basic cover for a small Hindu temple, we can help.
In today’s world, religious buildings can face potential exposure to many different types of risk as they become more involved in diverse, community-based activities. This places a more onerous responsibility on management officials to ensure that adequate insurance arrangements are in place.
Place of Worship Insurance
We specialise in insurance cover for myriad places of worship, including:
Gurdwara Insurance/ Sikh Template Insurance
Church Insurance
Mosque Insurance/ Masjid Insurance
Mandir Insurance/ Hindu Temple Insurance
Synagogue Insurance
and many more.
A typical Place of Worship insurance policy might include:
- Buildings and contents cover to protect against flood, fire, theft and accidental damage.
- Employer’s Liability needs to be in place if your place of worship employs staff.
- Public Liability is needed in case of an injury to a worshipper or employee, or damage to their possessions.
- Professional Indemnity insurance (PI Policy). We ensure that your policy is kept up-to-date to ensure that you are protected on all of the activities that take place at your place of worship against claims for negligence and wrongful advice.
- Engineering Breakdown Machinery breakdown, Equipment Breakdown) Engineering Breakdown cover can be purchased on a reinstatement basis and covers sudden and unforeseen damage. It covers installed plant and machinery against breakdown, operator error and pressure explosion.
- Engineering inspection insurance to comply with HSE regulations.
- Trustees insurance to ensure that every person responsible for decision working at your place of worship is insured. To avoid any personal liability claims against them in the event of any error or omission.
- Terrorism insurance
Cyber Insurance
Cyber Liability Insurance
The world is more connected now. Computers and devices play an important role in our personal and business lives. No matter how protected and safe you feel there will always be someone or something that has bypassed your security. Talk to us about cyber security and cyber liability insurance today.
- Immediate Insurance Coverage
- Policies tailored to protect you
- Excellent claim service
What is Cyber Insurance?
If you came into work and you were told that someone had gotten into your systems and accessed your data, would you know what to do next? Or if someone hacked your business – to put out messages on social media, would you know how to stop them and repair the damage done to your reputation? Or you came in and switched on your computer and there was no response except for a ransom demand? Who would you call? Would you pay?
Cyber insurance is designed to tackle all of these threats and more. It not only protects businesses but supports them to meet their commitments to customers and employees if their digital systems are compromised, paralysed or attacked.
It is now widely acknowledged that cyber-crime is the fastest growing sector of global organised crime, increasing at a rate of 40% per year.
What's covered
Premiums start from £250 and cover the following key areas:
- Cost of restoring data
- Informing clients of a breach
- 1st party data breach
- 3rd party data breach
- Business interruption cover
- Legal defence
Who is this for?
Suitable for any business that holds customer, supplier, and employee data. It’s for you if you use a computer, take card payments or have a website.
What do you need for it?
You need it to protect your business or your clients from the risks of growing cyber-crime. It’s not only for your business but also for your personal life as well.
How much cover is required?
The cover highly depends on the nature and type of business that you own. We will happily create a tailored option that suits your business the best.
Charity Insurance
About Our Charity Insurance
We provide charity insurance to various types of charities, religious organisations and non-profit companies. You can choose from our extensive range of charity insurance policies, so you get the charity insurance you need and only pay for what is important for your charity.
We are very experienced in working alongside charities; from start-ups and small voluntary organisations to larger national organisations.
Whether you’re a small charity just requiring liability cover or a larger charity with complex needs we have the experience and resources to plan your insurance that will cover you for the right amount and needs.
Please ask one of our charity insurance specialists for more information
Why do you need charity insurance
Trustees and officers that run charitable organisations should look to cover the liabilities as a minimum requirement. In order to ensure the Charity adequately trustees need to assess any other exposure that the charity may face.
The obvious areas to cover are Public Liability & Employers Liability insurance in case of any claims from customers, employees or third parties that visit your premises.
Most policies either have automatic cover or can be extended to include the following.
- Cover extended to include libel and slander up.
- Cover includes pastoral care and hirer’s liability.
- Most fundraising events and activities are included.
- Professional liability.
- Child Liabilities / Abuse.
- Property damage / Contents.
- Business interruptions.
- Portable equipment / Hired in Plant.
- Personal accident / Travel.
Charity Insurance
Our charity insurance policies can protect your organisation from loss and damage without putting a dent in your assets. Just choose the level of protection your charity needs, submit a proposal to us and we will handle the rest
- Charities & not for profit organisations of all sizes
- Add Ons such as Professional Indemnity, Director & Officers Liability, Trustees Management Liability
- Property Insurance on your policy
- Policies tailored to protect you
- Excellent claim services
Small Charity & Not for Profit Organisation
We have a range of policies that may fit your needs. The policies can be bought over the phone and insurance can be affected immediately. Standard and automatic cover includes public and employers’ liability insurance. You can also add on volunteers and fund-raising activities at an extra cost.
- Property Insurance
- Public Liability
- Trustee Indemnity
- Professional Indemnity
- Employer Liability
- Cyber Insurance
Why do I need charity insurance?
What do you need for it?
Charity insurance is very important as it protects the assets and liabilities that a charitable organisation may be exposed to.
Who is this for?
Our charity insurance is highly suitable for any Charity, Not for Profit Organisation, religious organisations or Trustees
How much cover is required?
The level of cover you need will depend on many things, and we’ll help you to make sure your business is adequately covered.
Property Insurance
Commercial Property Insurance
Comprehensive cover for property owners of all sizes whether it’s occupied or unoccupied for Industrial, Commercial or a Residential building, we have you covered!
Secure Risk have built good relations over the years with specialist underwriters and can usually turn around enquiries fairly quickly in good time for property professionals purchasing properties at short notice.
Our experience in this area makes timely completions possible by having good understanding of specialist lender clauses requirements such as None invalidation Clauses and First Loss Payee in favour of the lender.
Covers available and Property types;
- Property Owners Liability
- Loss of rent up to 36 months Loss of rent Indemnity period
- Unoccupied or Occupied
- Listed Buildings
- Multi Tenured Mills or Industrial Units
- Large or small Property Portfolios
- Buy to Let properties
- HMO’s
- Blocks of apartments and converted buildings
- All tenant types inc Asylum seekers
- Housing Association Tenants
- Industrial Property
Single or Multiple Residential Landlords
Most landlords own more than one property and renewals can be spread throughout the year making it difficult to administer, we can combine all the insurances together to provide you with one renewal date. This will save you time and the peace of mind that all your risks are covered.
Property Insurance
Get a great deal when you insure any of your properties through us. Property insurance is one of our areas of specialisation and we have been insuring thousands of properties throughout the UK for over 15 years.
We can instantly cover single or multiple landlords’ insurances or provide you larger portfolios of commercial or empty properties through our large panel of insurers.
For large commercial properties or projects, we have access to London markets; our partner Bluefin Insurance.
Commercial Properties
Commercial properties can be challenging and complex, we love to deal with complex risks.
We have a wealth of knowledge in this area of business and can provide cover for small commercial properties to multi – occupancy buildings.
We have experience in construction projects, to large portfolio commercial properties. Risks that we have insured range from apartment blocks, converted mills, retail parks, town halls and public spaces.
Unoccupied Property Cover
Your property will likely face periods of being unoccupied. During these periods without tenants, your property will be more susceptible to a variety of risks such as squatting and break-ins. We can therefore tailor your cover to include cover for the periods without tenants.
Typically, insurers will allow a period of 30-60 days for the property to be unoccupied before applying restricted unoccupied covers.
Who is this for?
Our property insurance is suitable for anyone who owns an investment property. Whether it’s a commercial building or a residential building, we have you covered!
What do you need it for?
Property is usually considered as a largest lifetime asset so protecting it from the many perils and dangers that can occur require you to opt for our property insurance.
How much cover is required?
Property is usually considered as a largest lifetime asset so protecting it from the many perils and dangers that can occur require you to opt for our property insurance.
What's covered
- Property Owner's Liability
- Public Liability
- Employer Liability
- Property Insurance
- Loss of Rent
- Terrorism Cover
- Rent Guarantee provided you have satisfactory credit agency reference satisfactory written character reference for each of the tenants
- Unoccupied Property Cover
Unoccupied Property Cover
Your property will likely face periods of being unoccupied. During these periods without tenants, your property will be more susceptible to a variety of risks such as squatting and break-ins. We can therefore tailor your cover to include cover for the periods without tenants.
Typically, insurers will allow a period of 30 days for the property to be unoccupied before requiring a specialist Unoccupied Property Owners policy. There can be multiple reasons for why a property is unoccupied but, in most cases, it’s usually because a tenant moves out or when you purchase a property. Remember to ALWAYS check the Terms & Conditions of your policy as some insurers need to be informed as soon as the building becomes vacant.
Get in touch
Protect yourself and your assets with our property insurance
Call 01274 965791
Contractors Insurance
Our Contractors' Liability Insurance
Our Contractors’ Liability Insurance covers a wide range of different professions within the construction industry. From straightforward building work, to higher risk trades like roofers, scaffolders and ceiling contractors, we can find competitive cover for your business.
Contractors Liability Insurance
What does Contractors’ Liability Insurance cover?
The core cover under a Contractors’ Liability Insurance policy is for Public Liability and Employers’ Liability. Depending on the nature of your work, and the insurer we choose to work with, the cover can be further extended to include additional covers, all under one policy such as:
- Contract Works (to include such things as stock, temporary site buildings, plant and machinery)
- Tools Cover
- Hired in Plant
- Personal Accident Insurance
- Temporary Employees
- Labour Only (LOSC)
- Bonafide
- Directors & Officers’ Liability Insurance
- Legal Expenses Insurance
- Professional Indemnity
What's covered
Which professions can you arrange Contractors’ Liability cover for?
We can arrange Contractors’ Liability Insurance for a very wide range of occupations at competitive terms. Whatever your specific business activity is, as long as you are involved in the construction industry, it is worthwhile contacting us for a quotation. Even if you are involved in more high risk activities, like working at airside or Railside, with heat or working at height, and even if your clients insist on high levels of indemnity, we will have arranged similar cover before.
Solicitors Professional Indemnity Insurance
What makes us different?
Hundreds of Solicitors Practices across the country of varying sizes continue to rely on Secure Risk Solutions expertise for their indemnity insurance needs.
Our track record over the years solidifies our position amongst underwriters and clients alike as one of a very few recognised specialists in this sector.
- Take time to review your proposal and supporting documentation thoroughly,
- Swiftly get to understand the practice’s individuality and work areas which enables us to devise a placement strategy.
- Your proposal is never sent to an underwriter that has already seen it, avoiding duplication
- SRS only work with rated insurers ensuring peace of mind
- We believe communication is the key to a successful relationship, that’s why we aim to keep you up to date, and obtain terms swiftly.
Making Solicitors Professional Indemnity Insurance an easy and effortless process
We draw on years of experience as dedicated Solicitors PI Insurance Brokers to deliver comprehensive services for the Solicitor Market. With Secure Risk Insurance Brokers, you get a team that works with you to create an insurance solution that is tailored perfectly for your business.
Having insured solicitors for over 15 years we have provided solicitors with a number of insurance products ranging from PI Insurance, ATE Insurance, Solicitors Disciplinary Insurance or SDT Insurance and bespoke covers for your offices.
PI Insurance for Solicitors is a very niche and complex product and only a handful of brokers specialise in this area.
Send us your proposal form along with the relevant accompanying documents and we will find you a competitive quote with an A rated insurer. We can arrange finance and policies can range from 12-24 months. Talk to one of our advisors for more information.
Dedicated Account Manager
You will get a dedicated account manager, so you’re not just a number – you will always speak with the same person all the time.
Communication
We believe communication is the key to a successful relationship, that’s why we aim to keep you up to date, and obtain terms swiftly.
Market Exercise
We won’t flood the market! All of our clients are dealt on an individual basis and proposals are only sent to insurers that you have not already approached.
Streamlined Process
You don’t have to fill in our proposal form – we will accept other insurer’s forms too.