Insurance solutions for franchises & corporate care providers
Today’s increasingly complex and diverse risk environment makes it challenging for care businesses to get comprehensive insurance cover to protect against losses and help promote future growth.
Care providers in particular face significant risks, such as increasing volumes of employer’s liability claims and allegations of client abuse or neglect. With the benefit of many years experience of insuring the care sector, we understand the regulatory environment, the unique challenges you face and can help you to prepare for both the expected and the unexpected.
We have expertise in providing bespoke solutions for large corporations and charities in the care sector. We help clients with a holistic approach to managing risk, claims and insurance placement to mitigate the impact of attritional losses and help prepare for major losses. Our claims team includes managers with a legal background to help compile your defense, challenge insurer’s reserving strategy and to help you compile a robust defense at the time of loss.
Our risk and claims management teams work together proactively to promote sensible risk management and loss mitigation. They also work reactively to respond to trends in claims, identify training needs and support your in-house risk management team.
Regulation is a significant factor in the management of any care business. Your insurance programme can include advice on regulation, employment and any other business related legal issue, provided by fully qualified solicitors and barristers with expertise in the care sector. The level of support and insurance backing can be tailored to fit with the needs of your in house HR and compliance teams.
We provide insurance solutions for:
- Care Homes
- Domiciliary Care / Home Care Providers
- Extra Care Housing & Supported Living
- Mental Health Hospitals
- Drug & Alcohol Rehabilitation Centres
- Day Care Centres
- Acquired Brain Injury Units
- Young adult and children’s care providers
Our specialist covers can include:
- Full Abuse Cover
- Medical Malpractice
- Professional Indemnity
- Employers Liability
- Public Liability
- Directors’ & Officers’ Liability
- Loss of Registration
- Registration protection (pre loss or suspension)
- Coroners inquest
- Engineering Breakdown
- Crisis Containment
- Buildings/Tenants Improvements
- Business Interruption
- Legal Expenses including care specific covers
- Personal Accident
- Fidelity Guarantee
- Motor Insurance
Summercare decided to test the insurance market on renewal this year to see if we could source a better product at a better rate and approached Howden to see what they could offer. The team at Howden could not have been more helpful. The renewal was quite complex, involving multi sites and both residential and domiciliary registered care services. They took the pain out of the process and were both professional and friendly throughout. Due to the advice and support we were given the process was made so straight forward and we ended up with a comprehensive insurance product at a fraction of the cost paid with our previous brokers.