Bluebird Care Insurance

Exclusive insurance broker to Bluebird Care

We are proud to collaborate with Bluebird Care as its only recommended insurance broker. Having operated for more than 25 years in the care sector, Marsh Commercial’s Health and Care team offers a wealth of experience and expertise to find the best solution for your business.

Our collaboration with Bluebird Care means we can deliver you a comprehensive and competitively priced product, from our carefully selected provider, Zurich.

  • Exclusive policy enhancements 
    Discover several enhancements to your current cover, including up to £10 million cover for abuse and medical malpractice. Read full list of policy enhancements here.
  • Caring for your complex world 
    Your adviser is here to help you tackle everyday challenges with a range of services including insurance, employee benefits and risk management.

  • Support when you need it 
    In the event of a claim, we are here to ensure a smooth experience with Zurich’s excellent claims service.

Our carefully selected Zurich product brings you the following policy enhancements as standard:

  • ₤10 million public liability covers abuse and medical malpractice
  • ₤5 million professional indemnity cover 
  • ₤25,000 cover for Directors and Officers included 
  • Rate beat offer available to match your current premium

Care worker fleet insurance

We now administer your group motor fleet policy, so please come to us for any adjustments or claims.

Cyber liability

Protect your business against ransomware and data breach.

Other services

Insurance is just one way we can support your business. Contact us to discuss a range of solutions from employee benefits to risk management.

Frequently asked questions

Q
How much public liability cover will I need?
A
The level of cover you need is related to the amount of risk faced by your business. Cover can be anywhere from £2m to £10m or beyond. The minimum value could be dictated by the clients you work with, or local authority contracts you have tendered for.
Q
Does my care business need Employers Liability Insurance?
A
Yes. Under the Employers Liability (Compulsory Insurance) Act, all organisations that have staff are required by law to have Employers Liability Insurance.
Q
When do I need to get Employers liability cover for my care business?
A
You require employers liability cover from the day your care business starts employing staff. From the moment you have any person to whom you are responsible, whether paid or not, you are at risk of legal action. To qualify as "staff" a person does not have to be paid or under contract to you. It includes any person to whom you have a legal duty of care. This means that sometimes even sole traders will need employers liability insurance.
Q
What's the minimum cover I need to have in place for my care business?
A
You are legally required to have cover for compensation of at least £5 million, but most policies will offer cover for £10 million. The cost of your care provider insurance premium is usually based on a number of factors including: the nature of your business; the number of people you employ (and/or the payroll cost); your previous insurance claims. In the case of larger organisations or where a number of employees are in one location, increased limits are recommended.