• Care Home Insurance

    Care Home Insurance

    Tailored cover for Care Homes - Compare quotes from our panel of leading insurers

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27
January
2016

What Is Care Home Insurance?

Care home insurance provides specialist cover for all types of care businesses. Policies are individually structured to the exact requirements of each home. Core protection provides cover for the home’s legal liabilities (public liability and employers liability) and loss or damage to business contents and equipment. In addition, the policy can be extended to cover damage to buildings, signs and glass, money, medical malpractice and treatment cover.

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What Type of Facilities can be covered by Care Home Insurance?

We can arrange cover for most types of care facilities including:

    • Residential Homes
    • Retirement Vilages
    • Elderly Care (including Nursing)
    • Adult Care Centres
    • Physical Disability Care
    • Dementia Care
    • Mental Health
    • Supported Living
    • Hospices


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Compare Care Home Insurance Quotes

At Insync we specialise in cover for the medical and care industry. One of our dedicated insurance advisors will work with you to understand where specific risk exists and tailor a policy for you. We can the compare cover and prices from our panel of insurers to help you find the right level of cover at the right price.

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Care Home Insurance Cover

  • Specialist cover for all types of Care Home or Domiciliary Care organisation
    Specialist cover for all types of Care Home or Domiciliary Care organisation
  • Bespoke insurance for registered care homes for the elderly
    Bespoke insurance for registered care homes for the elderly
  • Nursing Care experts including medical malpractice and drug administration cover
    Nursing Care experts including medical malpractice and drug administration cover
  • Public and Products Liability Insurance
    Public and Products Liability Insurance
  • Employers Liability to protect your legal responsibilities for employees and any volunteers
    Employers Liability to protect your legal responsibilities for employees and any volunteers
  • Nursing malpractice cover
    Nursing malpractice cover
  • Property Protection for buildings, contents, machinery and specialist equipment
    Property Protection for buildings, contents, machinery and specialist equipment
  • Professional Indemnity and Management risks (including Entity defence)
    Professional Indemnity and Management risks (including Entity defence)
  • Public Liability Insurance Indemnity levels up to £5m+
    Public Liability Insurance Indemnity levels up to £5m+
  • Fidelity Cover (theft by employees)
    Fidelity Cover (theft by employees)
  • Laptop, tablet, mobile phone or portable equipment
    Laptop, tablet, mobile phone or portable equipment
  • Option to include cover for loss of registration certificate
    Option to include cover for loss of registration certificate
  • Legal Expenses, Home Contents, Travel & Personal Accident options
    Legal Expenses, Home Contents, Travel & Personal Accident options

Why Insync for Care Homes

  • We compare prices and cover from leading care home insurers
    We compare prices and cover from leading care home insurers
  • Instant quotations - cover and policy documents in minutes
    Instant quotations - cover and policy documents in minutes
  • Flexible cover & monthly payments – just pay for the sections you need
    Flexible cover & monthly payments – just pay for the sections you need
  • Expert advice from dance insurance specialists
    Expert advice from dance insurance specialists
  • 24 Hour Claims Helpline
    24 Hour Claims Helpline
  • Personal – Digital servicing AND your own dedicated insurance professional
    Personal – Digital servicing AND your own dedicated insurance professional

Care Insurance Claims Example

Care Insurance Claims Example

You receive notification from the solicitor of one of your care staff who has been off with a back injury. It is alleged that correct lifting training was not provided and this has led to the back problem, the claimant is seeking compensation for the injury which has also impacted their ability to play sport.

How Much Does Care Home Insurance Cost?

How Much Does Care Home Insurance Cost?

Each care home policy is calculated individually depending on your specific requirements. The location of the home (post-code), number of patients, residents and/or staff, construction of the property and the individual level of sums insured will all impact the insurers pricing.

Care Home Abuse Insurance Cover

Care Home Abuse Insurance Cover

Several well publicised examples have highlighted the risk of both abuse claims and accusations of abuse in the care sector. With this in mind it is important that care homes ensure that their current public liability insurance does not contain an abuse exclusion. Should an accusation of abuse arise, and an exclusion be present in the policy wording, the insurer is likely to decline any claim leaving you to manage the claim and any financial compensation yourself.