Running a care home comes with significant responsibilities, from ensuring the well-being of residents to managing staff and maintaining facilities. Care Home Insurance is designed to protect your business from the unique risks associated with providing residential care, including liability claims, property damage, and staff-related issues. Becks Insurance Brokers offers comprehensive policies tailored to the specific needs of care homes, ensuring that you can focus on delivering high-quality care while knowing your business is fully protected.

Why Care Home Insurance is Essential

Features and Benefits

• Public Liability Insurance: Protects your care home against claims made by residents, visitors, or third parties for accidents or injuries that occur on your premises. This cover includes legal fees and compensation costs, helping to safeguard your reputation and finances.

• Employers' Liability Insurance: Mandatory for care homes, this cover protects against claims from employees who may be injured or fall ill as a result of their work. It ensures your business meets legal requirements and provides peace of mind to your staff.

• Professional Indemnity Insurance: Covers claims of negligence or errors in the care provided by your staff. This is crucial for protecting your care home from legal actions that could arise from allegations of improper care or advice.

• Property Insurance: Protects your care home’s buildings, contents, and equipment from damage caused by events such as fire, theft, or vandalism. This cover ensures that your facilities are maintained and that residents have a safe and comfortable environment.

• Business Interruption Insurance: Provides financial support if an insured event, like a fire or flood, disrupts your care home’s operations. This cover helps cover lost income and additional expenses needed to restore normal operations.

• Specialist Covers: Includes protection for equipment breakdown, loss of registration, and cyber liability, addressing the specific needs of care homes in today’s regulatory and technological landscape.

What is Typically Covered?

Comprehensive Protection for Care Homes
Care Home Insurance typically covers a wide range of risks associated with running a care facility:

• Resident and Visitor Injury Claims: Coverage for claims resulting from accidents or injuries that occur within the care home, protecting your business from potential legal actions.

• Damage to Property: Financial protection for the care home’s buildings, contents, and equipment in the event of fire, theft, vandalism, or other covered incidents.

• Legal Defence Costs: Coverage for legal expenses incurred in defending against claims of negligence, malpractice, or other liabilities.

• Staff-Related Claims: Protection against claims made by employees for work-related injuries, illnesses, or unfair treatment.

• Loss of Income: Compensation for lost income and additional operating expenses if the care home’s operations are disrupted due to an insured event.

Exclusions: While Care Home Insurance provides broad protection, certain exclusions may apply, such as:

• Pre-Existing Conditions: Claims related to pre-existing conditions of residents may not be covered unless specifically included in the policy.

• Intentional Acts: Losses resulting from deliberate or illegal actions by staff or management are typically excluded.

• Non-Compliance with Regulations: Claims arising from failure to comply with health and safety or care regulations may be excluded unless specific cover is in place.

• Pandemic-Related Losses: Coverage for losses related to pandemics may be limited unless included in the policy.

Why Choose Becks Insurance Brokers?

Becks Insurance Brokers has extensive experience in the care sector, understanding the unique challenges and risks faced by care homes. Our brokers work with leading insurers to provide tailored insurance solutions that meet the specific needs of your care home. We pride ourselves on offering personalised service and expert advice, ensuring that you have the right level of cover to protect your business, staff, and residents.

Get a Quote Today

Ensure your care home is fully protected with comprehensive insurance from Becks Insurance Brokers. Book an appointment here or request a quote by completing our online form here. Our team is ready to help you secure the right cover for your care facility.