What Does Care Home Insurance Cover?
Our key covers include:
Our buildings’ policy would compensate you for the cost of rebuilding, repairing or renovating your care home in the event it gets damaged or destroyed by an insured event.
A general contents’ cover protects the contents (including appliances, furniture, and equipment) within your care home premise against theft and damage.
Computer equipment insurance provides coverage and protection against loss or damage to computers and any related hardware in your care home.
A specialised policy focused on protecting portable equipment, including mobile phones, laptops, and cameras that are 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.
A cover against damage or loss of improvements made to your care home for the benefit of (or by) your residents.
In the UK, employers’ liability insurance is a legal requirement if you employ anyone. This policy covers compensation payouts and legal expenses if a member of your staff files an accident or injury claim.
Management liability cover protects you and your care home against mismanagement. It covers owners, directors, and management against various risks associated with managing a care home.
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.
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.
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.