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10079 reviews

Alan Boswell provides an excellent and efficient service.

Mr Jones - Care Home Insurance

Care Home Insurance in detail

Care home insurance provides a number of covers whether you provide domiciliary or residential care:

Public liability Cover for damage or injury to a third-party resulting from your business activities e.g. visitor slips on wet floor.
Medical malpractice Liability specifically for the medical profession providing cover in the event of an injury or illness arising from medical negligence e.g. misdiagnosis of symptoms.
Professional liability Cover for professional liability, e.g administering wrong drugs.
Employers' liability Cover for injury to employees caused by employers negligence e.g. care worker hurts back while incorrectly lifting patient when no correct training in place.
Business interruption Cover for loss of profits/income for a period following a loss.
Property damage Cover for damage to property: contents, premises, equipment etc.
Legal expenses Legal expenses cover for costs incurred for legal disputes relating to your business; health and safety prosecutions, contractual disputes, tax investigation etc.
Engineering inspection Statutory inspection of relevant items, e.g. hoists.
Cyber liability Cost associated with breach of client data.
Trustees liability/Directors' & Officers' Cover for compensation costs against the business for action by either trustees and/or directors and senior managers of the company.

Care insurance is an incredibly specialist area of insurance and it is key you have the correct insurances in place covering your business activities. There is a fine line between public liability, medical malpractice, and professional liability. An expert will be able to guide you through which covers are applicable for you.

FAQs

Do I need medical malpractice and professional liability?

This all depends on the service your business provides. Our experts will take the time to understand your business and its operations and work with you to determine what covers are required.
Are there any covers I must have legally?

While many covers are important, employers’ liability is the only cover that is mandatory if you have employees or volunteers.
My business is in domiciliary care, do I need the same covers as a care home?

The covers are optional and it will be dependent on your operation what is required, however many of the premises based covers such as business interruption should not be required.
Can I change the kind of care I provide?

Yes you can, although in some instances this may result in a change of insurance company to protect your business correctly.
Does a good CQC report benefit my insurance premiums?

We will use the CQC report in our negotiations with insurers and if a CQC report shows the business in a positive light it will reflect positively on the premium you pay.