insurance guide
A Guide to Care Home Insurance
A simple guide to care home insurance. We explain the features, exclusions and optional covers that are usually found in this type of business insurance. From public liability...
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Designed with care at its core, our care home insurance policy can be tailored to meet the precise needs of your business.
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Care homes come in many shapes and cater for different service users. So if you care for the elderly or adults, with learning difficulties, mental health, dementia, or simply offer retirement home or supported living, we can provide specific insurance cover for you business.
As well as the more standard business insurances the care industry face a set of unique risks which our care policies are designed to cover. These includes things like medical malpractice, infectious disease cover and protection against loss of registration. Our trained advisers are on hand to discuss your risks and cover your care home for all the risks you may face.
While most policies will include public liability cover at £5 million as standard (our policy does this too) there are times when you may need to temporarily or permanently raise this limit to £10 million in order to tender for a public contract. We offer you flexible limits so you won’t miss out on quality contracts, or the chance to grow your business.
As part of our care home insurance policy, we offer you access to a HR portal - elXtr provided by Abbey Legal. With access to fact sheets, legal documents, legal news and an employee handbook specifically designed for the care sector, elXtr offers guidance and information for any legal issues you may have. Whether you’re looking for advice for a potential problem or just want some facts on a certain topic, with our policy you will have access to this service 24-7 for the duration of your policy, meaning you will always have up to date documents and legislation for your business.
Our in-house care insurance claims handlers are available Monday to Friday between 9am and 5pm to support you. Furthermore, if you have a more urgent concern, we offer a 24-hour helpline.
For material damage and business interruption claims of over £5,000 you can count on our Claims Assist team. We will appoint a chartered loss adjuster specialising in the type of loss you have experienced to look after your interests and ensure the entire claims process is handled quickly, fairly and without unnecessary stress.
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Read our series of helpful guides to help you choose the most relevant cover for your business:
insurance guide
A simple guide to care home insurance. We explain the features, exclusions and optional covers that are usually found in this type of business insurance. From public liability...
View insurance guide
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Under the business interruption section of our policy we include up to three months' business interruption cover following an outbreak of Human Infectious Disease. This covers all infectious diseases, including the likes of MRSA and swine flu and is not restricted to notifiable diseases.
Yes. The policy does not exclude abuse and will protect you where you are legally liable for allegations made against you for the likes of sexual, mental and physical attacks on residents.
As part of the legal expenses cover, you will receive at no extra cost, a care-specific, online human resources management tool. It will give you access to customisable care-specific documentation including: employment contracts, contracts for bank workers, disciplinary procedures, staff handbook, health and safety guides including legal documents and up-to-the minute changes in legislation.
Yes, all enquiries are handled by a dedicated team specialising in care. Legal advice is only given by qualified solicitors and barristers and the claims team are all qualified with a law degree as a minimum.
Yes, we can increase the indemnity limit in respect of public liability to £10 million for a small additional charge.
The Stress Helpline is a 24-hour confidential telephone helpline and is available for you or any employee of your business to use.
Claims Assist, also known as Towergate Assist, is a claims recovery service for material damages claims over £5,000. You will be appointed a chartered loss adjuster to look after your interests and to ensure the entire process is handled quickly, fairly and without unnecessary stress. Importantly, the loss adjuster will be a specialist in the type of loss experienced and will be appointed to work on your behalf, not the insurers.
We have an independent registration consultant retained solely by us, who can help our clients with any queries they may have. Our legal helpline can also assist you in keeping your business operational.
If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).
To learn more about how PCL and Towergate work together, please read our regulatory information.