All Care Home Insurance Policies cover the following major elements of risk: material damage to buildings, stock, office equipment and computers, employee and resident possessions, and effects.
Policies should also cover for loss of income due to business interruption – legislative changes may mean the loss of the license to operate, flooding or fire may make the building uninhabitable. Policies will also cover for employers’ liability, public liability, and the costs of defending against medical malpractice and actual or alleged abuse claims. Polices will also have cover for legal expenses for Directors and Officers and well as the option of Professional Indemnity cover.
Given the broad range of activities and cover, it is vital that when organizing care insurance, you are very clear on what services, facilities, and advice you provide. This is where we came to help and provide a tailored plan to ensure you are completely covered.