We are here to help you get the best value from your insurance
0121 321 4600
Newsletter Signup
Supported_Living_InsuranceTo be clear on which health care sector supported living insurance is aimed at, it is worth clarifying that it covers the domiciliary care and supported living service providers and is targeted at agencies and companies providing care at home.

Care homes insurance covers owners of buildings used for residential care of the young, vulnerable and disadvantaged members of our society.

With the growth in our ageing population and, in a lot of cases, resident’s preference to remain in their own home, a whole range of support services are needed through local homecare services, local authorities and agencies. These services can include:
  • Housekeeping and domestic work
  • Cooking
  • Nursing and healthcare
  • Carers respite service
  • Personal care
  • Gardening and repairs
Home health care is one of the fastest growing sectors in the health care industry and organisations providing these services face many risks whilst carrying out their daily tasks.

Due to the very nature of their working environment, travelling and working at different locations and in potentially unsafe households where risks are difficult to control, insurance cover with a wide range of benefits is required.

A “one size fits all” approach may not give you the most suitable insurance cover. This is where an insurance broker such as CLA will be able to research several providers and tailor a policy that is most appropriate for your business.

Employers liability insurance, public/product liability insurance and professional indemnity insurance are essential.
  • Other insurance cover you would expect include:
  • Business interruption
  • Mistreatment
  • Legal expenses
  • Personal accident and fidelity guarantee
  • Computer and business equipment
Call us for a quotation for your bespoke insurance requirements on 0121 321 4600.
 
 
Residential and non-residential care homes face a wide range of risks due to the very nature of the work they carry out and the vulnerability of their residents.

With many high-profile stories in the media and concerns over health and safety, care homes are under pressure to deliver support to an increasing number of the most vulnerable members of our population.

Care_Homes_insuranceThe social welfare sector including private and public care providers, charities (not for profit organisations) and social enterprises provide care and support to the young, vulnerable and disadvantaged members of our society.

Because of the nature and diversity of risks involved in this sector, an insurance broker is well placed to provide the expertise and advice needed to cover your responsibilities to your employees, vulnerable residents and members of the public.

As well as your building and contents insurance, your cover will need to include some of the more challenging aspects of support such as abuse, breach of professional duty and medical malpractice. Accidental cover for your employees, voluntary workers and visitors will be necessary to protect you against claims that could damage your reputation and funding.

Care and health consultancy
Identifying the challenges and risks involved in running a care home plays a vital role in managing and minimising the effects these may have on your organisation.

A consultant will be able to help improve your management systems and identify any areas of weakness. This can have a major impact on reducing incidents and in some cases reduce your insurance premiums by demonstrating your commitment to maintaining good working practices.

Health and safety support and risk assessments can be carried out and improvements made to reduce incidents and comply with legal requirements.

Care homes insurance cover
Insurance is available for a wide variety of care homes:
  • Children’s homes
  • Rehabilitation units
  • Residential units for learning disabilities/autism
  • Special schools (residential and non-residential)
  • Mental health residential (non-secure)
  • Supported living
  • Foster care
The scope of cover can include third party responsibilities, employee liability, asset protection, cyber and data risks, legal expenses, book debts, deterioration of stock and inspections.

For a complete breakdown of cover and to find out more about what the consultancy includes, please call one of our team on 0121 321 4600.