What Can A Care Home Specific Insurance Policy cover?
- Public Liability Insurance: This covers your organization against the financial consequences of compensation claims made by residents, the public, or other third parties. These claims could arise from incidents such as injury or damage to their property.
- Employers’ Liability Insurance: This insurance provides coverage for claims made by employees related to work-related illness (including psychological conditions), injuries, or property damage. In most cases, employers’ liability insurance is legally required.
- Buildings Insurance: If you own the building, this coverage protects you against the costs of repairs or rebuilding due to insured events such as fire, flooding, storm damage, or vandalism.
- Care Home Contents Insurance: This policy covers the cost of replacing care home property that is lost or damaged due to an insured incident.
- Residents’ Personal Belongings: You can include coverage for residents’ personal items as part of your policy, offering protection for your business while providing added value and peace of mind for your residents.
- Treatment risk cover: Protects your organisation financially if a resident makes a liability claim after suffering an injury or adverse reaction due to a treatment you administer.
- Medical malpractice cover: Cover for your organisation if it becomes the subject of a compensation claim due to malpractice or unintentional injury.
- Professional Indemnity: If a resident or their family makes a claim against your organisation because of perceived negligence, for example due to poor care or service, professional indemnity insurance can cover the costs involved.
WHAT CLIENTS SAY
Since moving to Trinity Insurance, any problem I’ve had has been dealt with immediately, efficiently and with no fuss.
I can’t speak highly enough of Karen; and her knowledgable approach to claims management, it’s great to be working with her once again.
Thanks Karen, you have done more in one day than our previous broker did in a year.
I can’t thank Trinity enough for the service they have provided us. The professionalism and personal touch shown by Karen are to the highest standard. Highly recommend.
We have been working with Eugene and the team for years. Their knowledge is second to none, they’re really helpful, efficient and friendly, would thoroughly recommend them.
I would like to express my sincere appreciation for your invaluable assistance throughout this process. Your efforts have been instrumental in helping me reach a decision, and I am truly grateful for your support.
I extend my gratitude for your professionalism and dedication. I am confident that this collaboration will yield successful outcomes.