Residents living in care homes haven’t always moved their voluntarily. Many may miss their independence and their own homes and families. As a care home owner the very least you can do is offer them a safe and comfortable place to live. As part of your role as a caring and responsible business owner, you should make sure you have adequate care home insurance in place.
What does Care Home Insurance Cover?
Just Quote Me work with the best providers of specialist care home insurance in the industry to ensure your business and your residents are safe. There are many elements to a comprehensive care home insurance policy and it may include:
Defined Abuse Cover
Abuse cover is not something you necessarily want to think about, but it is essential to protect your business. An abuse claim can be extremely expensive, and our offering offers full sexual, physical and emotional abuse cover.
Legal Expenses Cover
Legal expenses are necessary part of any compensation claim. Our offering ensures you have full protection should a case reach the stage legal guidance is necessary.
Comprehensive Malpractice Cover
Care home owners often find themselves the subject of a claim from their employees. This is in addition to negligence claims from residents. Comprehensive malpractice cover protects both wrongful administration of medicine and claims against the quality of your provision of nursing and care.
Directors and Officers Liability Cover
Directors of the care company may not have a direct role in running the business but they may find themselves personally liable for loss. In this case you will need liability cover to ensure the personal assets of directors are not affected.
Care home insurance is essential for a well-run business. No one wants to think about the worst-case scenario. However, if it happens and you’re not ready, your business can seriously suffer.