Gallagher has worked with residential care home businesses for many years, from supported living facilities to homes providing specialist end-of-life care. We understand the level of care required, not only to look after residents but also to run what can be a complex business, and protect the organisation and its staff in this high-risk sector.
Our residential care home insurance can help to mitigate your risks so that you can focus day-to-day on the provision of quality care for those who rely on you.
What is care home insurance?
Care home insurance is a specialist type of business insurance for residential care facilities. It includes a number of different insurance products that can work together to help protect the business, its owner and operators. There are many risks associated with running a care home, such as claims of medical malpractice, employee injury claims, and damage to your buildings or contents due to an event such as a fire or flood. Having a care home insurance policy in place can help protect you from such eventualities.
Types of care homes we cover
- Nursing or residential care homes
- Dementia care homes
- Supported living facilities
- Care homes for adults with learning difficulties
- Care homes for adults with mental health issues and addictions
- Day care services
- Children’s care homes
- Small businesses and start-ups
- Portfolios of homes
What can care home insurance cover?
Your cover can be designed according to the type of service you provide, for example you may require a nursing home insurance policy, or specialist insurance for a home dedicated to supporting adults with learning disabilities. The size of your organisation and your level of risk will also be factors in the types and levels of cover that care home insurance providers may offer you. Standard cover will typically include the following: