It is essential to get good advice on your care home insurance needs. We can support your insurance placement and in some cases, support your risk management activities.
Insurance for Care Home Facilities
Ladbrook can advise and help source insurance for a range of care facilities including residential homes, retirement homes, childrens’ homes, hospices, care homes, rest homes and nursing homes for the elderly.
We are an independent broker and work with a number of specialists in the charity and care sector such as Ansvar / Ecclesiastical, Markel and CaSE. We offer expert advice and a personal as part of our care home insurance proposition.
We will analyse your requirements including buildings insurance and any assets and contents that you own. We will look at your liabilities regarding trustees, directors, staff, management, volunteers, patients, service users and the general public.
An importtant part of care home insurance is understanding the degree to which any medical care is exercised. We will discuss this with you and the need for care home medical malpractice cover.
Sometimes our care home insurance customers seek support on a range of risk management issues. This can range from simple advice to helping to organise full risk management support. Some insurers, such as Markel, offer consultancy as part of their insurance package too and so we can discuss your needs and options for support.
One area we will offer advice in is your disaster recovery planning and how this relates to your care home business interruption provisions. We can discuss the appropriate insurance for your care home in the event that your site becomes unusable.
Professional risks are also an area where we can provide advice. Some local authorities might contractually insist on this cover and it is sensible protection for a large number of care facilities. We will discuss your care home professional indemnity insurance cover and whether it meets your organisational needs.
Essentially, Ladbrook will provide independent advice for your care home and make sure your cover meets the requirements of the Care Quality Commission.