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Care Home Insurance

Care Home Insurance

Looking for Care Home Insurance?

All health and social care businesses need insurance cover. Running a care home efficiently and responsibly is not possible without care home insurance. What types of cover should be part of your care home insurance cover? This will vary from business to business but below are just some of the most popular and in some instances compulsory types to consider:

Employer’s Liability Insurance

Employer’s liability insurance is not a choice for any care home business that has even a single employee. It covers you as the owner against legal action or claims made by employees and ex-employees relating to accidents and injuries in the workplace. Compensation claims can be very expensive. UK law requires all businesses to have employers’ liability insurance to avoid costly fines and penalties.

Medical Malpractice Insurance

Less common but a consideration for care environments. Nursing and medical care involves judgement and it is possible a resident or their family may disagree with your judgement. If they choose to make a claim on this basis and claim there has been medical malpractice, you will want specialist support to protect your business and your staff.

Buildings and Contents Insurance

If you own your care home premises, then you need to ensure you have the appropriate business and contents insurance for it. The contents insurance covers the fixtures and fittings, as well as furniture, office equipment and any specialist stock. Contents insurance will also cover medication and medical equipment.

Public Liability Insurance

Public liability insurance is a key element of nearly every insurance policy. It protects your business should a third party, such as a resident or one of their family members, take legal action against your business. This could be because of an accident or injury or due to damage to their property. In a care home environment there are many people coming in and out regularly, raising the risk of accident and injury.

Contact us to find out more about Care Home Insurance:

Go to our online Quote System or call us on 0800 084 2325

Protect Your Residents’ Home with Care Home Insurance

Protect Your Residents’ Home with Care Home Insurance

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.