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Exposure to risk in the care industry
Towergate has been synonymous with specialist insurance for care homes and the care sector. In this article we take a look at the changing needs of our customers and the risks...
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A helping hand for listening ears with counsellors' insurance from Towergate.
Speak to one of our advisors and get the cover you need
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Our insurance for counsellors comes with the following features, designed with you in mind
As a counsellor, we know that your job can take you anywhere – so our policy provides cover for working in a variety of locations from your home, clients' homes, over Skype, at events, and more. Or perhaps you run your own practice or have your own premises? We can provide cover for buildings, contents, stock and corresponding business insurance, tailored to your needs.
Should the advice or guidance that you give to your clients be incorrect and leads to loss or injury to them, our policies provide professional indemnity to pay for any costs awarded against you, up to £10 million. This can be flexible to your circumstances and we can work with you to ensure you get the cover you need.
If you’re a member of professional organisations such as BACP, NCS or CPCAB, we can offer a 10% discount just for the asking. During your quote, let our advisors know and we’ll take care of the rest.
In addition to our cover for counsellors, we also provide extras such as home business insurance and employer’s liability cover so talk with one of our advisors for advice on what else you might need to cover you and your growing business.
Our in-house care insurance claims team is on hand Monday to Friday between 9am and 5pm to support you. Furthermore, if you have an 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.
Call us or email us with: your policy number; a phone number to reach you on; details of your claim; and photos where possible and relevant.
Articles and guides written with you in mind
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Towergate has been synonymous with specialist insurance for care homes and the care sector. In this article we take a look at the changing needs of our customers and the risks...
View article
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The recent mis-selling scandal surrounding the HSBC subsidiary, Nursing Home Fees Agency, has brought into sharp focus the need for the provision of ethical financial advice to potentially vulnerable elderly people. At the heart of the scandal was the familiar story of salespeople being incentivised to sell products that generated high commissions, with little regard to their suitability. In particular, Life Assurance Bonds with early surrender penalties in the first five years were regularly sold to individuals with a life-expectancy less than that.
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New rules and legislation come into effect from September 2012 affecting identity checking and eligibility for criminal record disclosures. UKHCA Disclosure Service outline the changes and their implications for care providers.
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The dynamics of the care industry are changing with uncertainty around future local authority funding, direct payments and privately funded care. In addition, changes in the CQC’s inspection programmes and the consumer ‘rate-your-care’ scheme all point to an industry in a state of flux. For those in the care industry, staying ahead means adapting and taking control of the future.
We do offer loss of income and business interruption insurance as well as various other business insurances but not as part of this package. If you require these covers we can provide them via our business insurance department. One of our advisors will be able to advise you further.
As every profession is open to different risks and claims are unforeseeable events, it’s not possible for us to safely recommend any level of cover. Our best advice, therefore, is to select the highest amount of cover you can reasonably afford. We can, however, offer full flexibility on your policy meaning that if you need to raise or lower the level of cover at any time we can accommodate this easily.
You may want to consider run-off cover to provisionally cover you against any claim made against you for work done while you were practising. Our advisors will be able to set this up for you at the end of your policy.
Depending on what you are studying and if you are practising you may want to protect yourself against claims. As everyone’s situation is different and claims are unforeseeable we can’t advise either way but would suggest that even though liability and indemnity insurances are not legal requirements you should not leave yourself vulnerable if you think you could open to a civil liability claim. Some member organisations will recommend a specific level of cover, so you may wish to check this if you are a member of a professional body.
This policy is designed to cover the practitioner - not a business or property. If you require these extra covers we can provide them at the same time with a business insurance policy which will offer the relevant cover for your stock, cash and premises.
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 find out more about PCL and direct debit payments, select Direct Debit. To understand more about how PCL work with Towergate, please read our Regulatory Information.