Whether it’s an adult assisted living home, community and youth organisations or shelters and refuges, finding the right insurance to meet your requirements can be challenging. However, that’s where insurance specialists like us will be able to help.

With access to a large panel of insurers, who specialise in this sector and offer levels of cover that other insurers don’t offer such as:

• Abuse cover
• Medical malpractice
• Volunteers under employer liability insurance
• Protection towards the events of fraud, theft or dishonesty from volunteers or employees.

What type of Care Businesses Can We Provide Cover For?

These are examples of some of the types of businesses we can cover but not limited to:

• Adult placement
• Care and day centres
• Residential care – adults and children
• Community action groups, programmes, centres and services
• Counselling and therapy services
• Domiciliary care
• Rehabilitation
• Education, literacy and vocational training services
• Foster care
• Hospices
• Nurseries, play groups and out of school clubs
• Respite care
• Refuges
• Supported living
• Youth centres and organisations

What is Abuse Cover?

Abuse cover can be provided on a claims-made or claims-occurring basis; the latter provides clients with long-term protection for their business.

Some insurers can provide retro abuse cover in the event that clients have previous periods of claims-made abuse, ensuring these gaps in cover provision do not leave clients exposed.

Medical Malpractice

Some professional liability cover may exclude medical professional liability or cases of medical malpractice which care organisations are exposed to. However, we have access to specialist insurers who understand this exposure and provide specialist cover, covering these types of risks under one policy, minimising the chance of claims falling between insuring clauses.

Get in touch with our team of specialists today to discuss your insurance requirements and find out how we can help your business today, call us on 01527 3061041