The care sector continues to undergo rapid change which we at Clear have witnessed and responded to in the interests of our many clients. These days there does not seem to be a “standard care home” as most will provide residents with services such as day trips, hairdressing or even enabling residents to grow their own produce. The expansion of services has also led to some specialist facilities emerging, catering for varying groups of vulnerable people and being provided by different types of organisation.
These can include the following:
Children Nurseries
Children Schools
Colleges
Private Hospitals
Domiciliary Care
Carehome for young adults
Carehome for the Elderly
Hospices
Charities
Clinics
Learning Difficulties
Drug & Alcohol
Supported Living
So when reviewing your business insurance, you will know that care sector insurers require fairly extensive information in order to provide quotes, including providing CQC (Care Quality Commission) registration/star rating/details of outstanding requirements, type of staff, services and support offered etc.
Dealing with a broker that understands this and speaks your language is just the first step in making your insurance headaches a thing of the past.
One size does not fit all
You next need the advice of a firm that recognises the differences. The differences in the people you look after, the legislative constraints you operate under, the services you provide and the cover you need.
Clear can help you through this by reviewing your cover against our checklist below. We know there are many care organisations that have inadequate policies, providing little or no cover for abuse claims, as an example.
Property including subsidence
Business Interruption
Treatment Risk including personal indemnity for nurses
Personal Accident
Money including pension books
Personal Effects
Terrorism
Charity Trustee cover (where applicable)
Contents/stock
Liability: Public (with no exclusion for abuse claims), Products, Employers and Resident’s
personal Liability
Legal Expenses including defence costs at employee tribunals
Legal Expenses
Assault
Temporary Accommodation
Engineering Insurance
Fidelity Guarantee cover (where applicable)
Choose Clear
Brokers that really understand your sector are thin on the ground. We have been quietly looking after care sector organisations for many years and our people have decades of relevant underwriting, broking and claims handling experience that is at your disposal. We only work with Insurers who are specialists in the care sector .We understand your frustration in obtaining quotations so let us help by using our experience and relationships to your advantage and secure not just a competitive quotation but also an extensive insurance package that meets your needs.
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