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To help you meet your duty of care and legal requirements as a care provider our policies can include the following features.
Care services and their businesses come in all shapes and sizes, and cater to many different users. So whether you provide personal, nursing or night care, carer respite services, household & gardening duties or one of many other forms of care, we can offer a tailored insurance solution, specific to your industry, designed with your risks in mind.
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 include things like medical malpractice insurance, infectious disease cover and protection against loss of registration. Our trained advisors are on hand to discuss your risks and cover your home care business for all the risk s you may face.
While most policies will include public liability cover at £5million as standard (our policy does this too) there are times when you may need to temporarily or permanently raise this limit to £10million 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 Homecare 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. For more information visit: www.elxtr.co.uk
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
Our in house care insurance claims team are on hand Monday to Friday between 9am and 5pm to support you. Furthermore, if you have a more urgent concern, we offer a 24 hour helpline too.
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.
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The statutory framework for the Early Years Foundation Stage sets out legal requirements that all providers must meet, as well as having policy and procedures for assessing risk. This article runs through key steps to be taken and what you can expect when being inspected.
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Towergate Insurance speaks to ITN about the importance of appropriate care home insurance cover in the care industry.
. We pay for replacement locks up to a maximum amount of £2000.
Yes. We provide cover up to a maximum of £25,000, if you are legally liable.
The Stress Helpline is a 24-hour confidential telephone helpline and is available for you or any employee of your business to use.
All UKHCA members who take out a homecare policy with Towergate will receive a 10% discount off our standard premium*. In addition, as part of the core policy you will receive the driver safety e-learning module and a risk management audit; We also offer a members business benefits package including; directors' and officers' liability insurance, motor fleet, mortgage advice, pensions and other financial products and a staff benefits package including; household, travel and mortgage advice? *Discount is applied before IPT and customer service charge. All cover is subject to insurers terms and conditions.
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. 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 service users.
We have an independent registration consultant retained solely by us, who helps our clients with any queries they may have. Our legal helpline can also assist you in keeping your business operational.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.