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INSURANCE FOR THE CARE SECTOR

Providing specialist care insurance advice

Working with several thousand clients, both large and small, our care insurance team cater for all areas in this sector.

  • Working with care providers
    We make sure that we understand your day to day activities, and the huge range of issues you face, meaning our products and services will be expertly tailored to your needs.
  • More than care insurance
    As well as very specific risks such as medical malpractice, infectious diseases and mental, physical and sexual abuse, we can also cater for the everyday exposures of fire, flood, theft, workplace accidents and more.
  • Meeting current care requirements
    We meet all requirements from constant legislation changes as well as meeting the standards of all governing bodies.

What specialist care insurance advice do we provide?

We offer specialist advice and guidance for the care sector to ensure your business is properly covered. We can help you insure your business to protect what matters most and those who matter most to you. With a range of experts in our care insurance team, we're here for you.

Care home insurance

Running a care home can be as challenging as it is rewarding. Our care home insurance service has been developed to meet the needs of today’s care home, and our dedicated team have over 15 years’ experience in this sector.

Domiciliary care insurance

Our dedicated team specialise in insurance solutions for domiciliary care organisations that provide care for individuals and families within their own homes, and the supply of nursing and care staff to all sectors of the care industry.

Insurance for individual carers

Having an individual carers insurance policy gives considerable insurance protection as well as great peace of mind whilst you are delivering care and support to individuals in the community.

Direct care insurance

Our direct care insurance policy provides bespoke cover for individuals who employ carers or personal assistants. And cover packages start from just £62.50 per year.

Surgery insurance

Appointed brokers for hundreds of doctors, dentists, and healthcare businesses, we’ve created a suite of surgery insurance products designed specifically for the continually evolving needs of the medical and dental professions.

Locum insurance

Offering business security in the event of accidental injury or sickness, with our locum expenses insurance for GP practices and with our practice expenses insurance for dentists and healthcare professionals you can rest assured that your benefits are payable promptly.

Frequently asked questions

Q
How much Public Liability insurance will I need?
A
The level of cover you need is related to the amount of risk faced by your business. Cover can be anywhere from £2m to £10m or beyond. The minimum value could be dictated by the clients you work with, or local authority contracts you have tendered for.
Q
Do I need Public Liability Insurance if I am self-employed carer?
A

 Yes. We would advise any business to hold such cover, whether you occupy a premises or whether you are work away, or visiting someone’s home.

Q
Does my care business need Employers’ Liability Insurance?
A
Yes. Under the Employers’ Liability (Compulsory Insurance) Act, all organisations that have staff are required by law to have Employers Liability Insurance.
Q
When do I need to get Employers Liability cover for my care business?
A
You require employers’ liability cover from the day your care business starts employing staff. From the moment you have any person to whom you are responsible, whether paid or not, you are at risk of legal action. To qualify as "staff" a person does not have to be paid or under contract to you. It includes any person to whom you have a legal duty of care. This means that sometimes even sole traders will need employers’ liability insurance.
Q
What is the minimum cover I need to have in place for my care business?
A
You are legally required to have cover for compensation of at least £5 million, but most policies will offer cover for £10 million. The cost of your premium is usually based on a number of factors including: the nature of your business; the number of people you employ (and/or the payroll cost); your previous insurance claims. In the case of larger organisations or where a number of employees are in one location, increased limits are recommended.