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Care Home Insurance

If you are a care homeowner, you and your staff are going out of your way to provide care to some of the most vulnerable and disadvantaged segments of society. While your work is truly rewarding, it does not come without unique challenges.

The care home industry faces several challenges and risks and that is why care home insurance is considered a staple. Without a targeted care home business insurance policy in place, you run the risk of being personally liable for third party claims and property damage.

No two care homes are the same in terms of the care services they provide and the risks they face. That is why IC Insurance Solutions offers bespoke care home insurance packages, tailored according to the specific needs of your care home.

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What is Care Home Insurance?

Care home insurance consists of a combination of covers designed to offer protection to registered and recognized UK-based charities that provide care for elderly people, children, disabled individuals and people with mental health problems such as dementia.

Regular business insurance does not work with care homes. That is because care homes are specialized institutions offering care-related services.

If you are running a care home insurance uk without a comprehensive care insurance policy in place, you are putting your primary clientele, employees, and business in a vulnerable position.

IC Insurance brokers can help by identifying the risks your care home faces and then collaborating with partner insurers to create a bespoke care home insurance plan that mitigates your risks and offers reinforced protection to your business.

What Does Care Home Insurance Cover?

Our key covers include:

Buildings

Our buildings cover would compensate you for the cost of rebuilding, repairing or renovating your care home in case it gets damaged or destroyed by an insured event.

General Contents

A general contents cover protects the contents (including appliances, furniture, and equipment) on your care home premise against theft and damage.

Computer Equipment

Computer equipment insurance provides coverage and protection against loss or damage to computers and related hardware in your care home.

Portable Equipment

A specialized policy focused on protecting portable equipment including mobile phones, laptops, and cameras installed on your care home premise.

Residents and Service User’s Personal Effects

Covers the possessions of your residents or users against theft or property damage.

Tenants Improvements

A cover against damage or loss of the improvements made to your care home for the benefit of or by your residents.

Employers Liability

In the UK, employers’ liability insurance is a legal requirement if you employ anyone. Employers’ liability insurance policy covers compensation payouts and legal expenses if a member of your staff files an accident or injury claim.

Management Liability

Management liability cover protects you and your care home against your liability for mismanagement. It covers owners, directors, and management against various risks associated with managing a care home.

Medical Malpractice

Deemed essential for care homes, a medical malpractice insurance policy covers legal expense and compensation if a claim pertaining to medical malpractice, neglect or abuse is filed.

Public Liability

A public liability policy covers your liability towards your residents, clients, suppliers, visitors and members of the public.

Public liability pays for compensation, medical expense, and legal costs if one of the aforementioned parties file an accident, injury or property damage claim.

Products Liability

Covers the cost of legal action and compensation in case of third-party injury or accident claims associated with the products used at your care home.

What Type of Care Homes Can IC Brokers Insure?

We offer bespoke care home insurance policies for:

  • Children’s homes
  • Clinics and rehabilitation centers
  • Daycare services
  • Hospices
  • Learning and physical difficulties
  • Mental health and mental disorder
  • Nursing or residential care homes for the elderly
  • Supported living and sheltered accommodation

About IC Insurance Solutions

IC Insurance Solutions is a vibrant and enthusiastic insurance intermediary with a passionate team comprising of experienced insurance experts and seasoned brokers. We know the market inside out and our strong partnership with insurance providers enables us to provide comprehensive coverage to you at a competitive price.

If you have got any questions or you want to obtain a free quotation, get in touch with our specialist advisors, right away. Contact our office on +441204540897 or email us on info@icinsurance.co.uk.

Request a Care Home Insurance Quote

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