Care home insurance tips – Learn from others failures

Friday, 15 April 2016, Jon Norman

Care home insurance tips – Learn from others failures

In today’s litigious society, Care Home owners need to be even more are of ongoing legislative changes and pay constant attention to health and safety. The tiniest problem can quickly escalate into a public liability claim under your care home insurance, or a regulatory fine.

Care Home Claims Examples

Claims examples we have seen from care operators include:
1. Injury following a wardrobe falling onto a resident which was not correctly anchored
2. Another resident suffered injury resultant from a window whereby it was discovered that one of the staff failed to check a window restrictor
3. A resident suffered an allergic reaction after a temporary member of staff forgot to check the dietary requirements sheet


 Learn from the mistakes of others!
Each individual resident has specific needs that you and your employees must pay attention to at all times. Additionally, improper or management failure, can result in costly fines and prosecutions from regulatory authorities.
Risk management is critical and as the business owner you need to be aware of the spectrum of different risks throughout your care home and implement effective controls in order to avoid deaths, injuries and fines.


Notable Care Home Fines and Prosecutions


Sometimes it pays to study the failings and adversity of others in your industry, which will enable you to identify any risk management hotspots within your own care business.

The following are real life examples of care businesses which have suffered fines or prosecution at the hands of the regulator.

1 Care Home Provider Fined Over Fish and Chips Death

• Background: The United Kingdom’s biggest care home provider, Four Seasons Health Care Ltd, was fined £170,000 after a vulnerable 75-year-old resident choked to death on her meal of fish and chips during an entertainment evening at its Chorley premises.
• What Happened: Although the staff was aware that the resident should only eat pureed food since she had difficulties swallowing, two weeks after moving to the facility she was given fish and chips in a cone for a film-and-supper evening at the home. An HSE investigation discovered that the staff member who organised the evening was aware that the resident could not eat solid foods. A lack of organisation and a disregard for detail contributed to the resident’s death.

2 Care Home Operator Fined for the Death of a Resident with Dementia

• Background: A Hertfordshire care home operator was fined £85,000 and ordered to pay £48,000 in costs after a resident with clinical dementia suffocated because her wardrobe was not properly attached to the wall.
• What Happened: The 64-year-old resident suffered a form of dementia which led to an obsession with clothing and a compulsion to wear excessive layers. As a result, the staff locked the wardrobe in her room to prevent her from gaining access to the clothes inside. When the resident attempted to open the wardrobe, it fell on her, causing the resident to suffocate. The wardrobe was fixed to the wall, but the screws did not penetrate into the blockwork of the building. Although the care home was aware of the resident’s obsession, managers failed to ensure the wardrobe was securely attached to the wall to prevent it from falling.

3 Safety Failings Led to Resident’s Suffocation

• Background: The owner of a West Yorkshire care home, New Century Care Ltd, was fined £183,000 for safety failings at its Huddersfield facility, which led to a 93-year-old resident suffocating between her mattress and incorrectly fitted bed safety rails.
• What Happened: The company had failed to train staff at the Huddersfield facility to fit bed safety rails. Staff was also not trained to carry out regular ‘in-use’ checks to ensure bed rails remained properly adjusted. Providing this simple training could have saved the resident’s life.

4 Faulty Window Restrictor Causes Patient Death

• Background: The owner of a care home, Barchester Healthcare Homes Limited, was fined £175,000 and ordered to pay £22,961 after a 74-year-old patient with dementia fell from a window with a faulty restrictor and died.
• What Happened: Window restrictors are meant to prevent vulnerable patients, such as people suffering from dementia, from opening and falling through windows. The window from which the resident fell had a faulty restrictor which allowed him to open the window and subsequently fall from it. Staff at the Essex care home had not been properly trained in carrying out adequate window safety checks, and management had not instituted a window management safety system.

5 Care Home Operator Fined for Endangering Residents

• Background: A care home operator, MSN Care PLC, was fined £30,000 and ordered to pay £880 in costs for safety failings that exposed residents to scalding water and unsafe lifting equipment at its east London facility.
• What Happened: Inspectors found that legally required thermostatic mixing valves were not fitted to limit shower and bath water temperatures, and the only thermostat available to check water temperatures was broken. In one bathroom, the water registered at almost 58°C. Additionally, half of the 14 slings used at the home were not formally inspected during the six months prior to the incident, and one which had been previously deemed unsafe was still in use.

6 Care Home Fined for Toilet Cleaner Death

• Background: A Sheffield care home operator, Palms Row Healthcare, was fined £15,000 and ordered to pay £14,472 in costs for neglecting to properly manage the use of cleaning fluids which led to an 80-year-old resident’s death.
• What Happened: The resident, who was frail, blind and suffering from dementia, had inadvertently drank toilet cleaner which was left unattended in his room for several hours by the staff. The HSE prosecuted the care home operator for its inadequate system of controlling dangerous chemicals, its inability to prevent access to areas of risk and for lacking procedures to account for cleaning products.

7 Lack of Manual Handling Training Causes Resident’s Death

• Background: A South Lanarkshire care home provider was fined £57,000 for failing to adequately train employees at its Uddingston facility, which led to the death of an 88-year-old resident.
• What Happened: A new employee at the care home had neither been trained nor adequately supervised in moving and handling the resident, who required two employees for assistance when washing, dressing and undressing. The new employee, working alone, was helping the resident transfer from her shower chair to her bed when the resident slipped and broke her neck. Although a risk assessment had determined the resident required the assistance of two people, the resident’s information was not updated and the new employee was unaware of the requirement.


FREE Care Business Insurance Review

At Insync we specialise in cover for the medical and care industry.  One of our expert advisors will compare care home insurance from the UK’s leading insurers as well as helping you to identify your key risk exposures.

About the Author

Jon Norman

Jon Norman

I’m passionate about family, sport, technology and business.

In fact, I have always been fascinated by business, whether it was running the school tuck-shop or my Saturday job in the local store, I was always looking for ways to improve or view things differently.

I have enjoyed an amazing career fast approaching 25 years in the insurance industry, which has given me real insight into the challenges and opportunities faced by SME businesses in today’s ever-evolving marketplace.

I co-founded Insync Insurance, to offer companies a new way to buy and manage their business insurance. A synergy of digital servicing and personal expertise - utilising the latest technology to enhance relationships, not to replace them.