Foster Care Agency Insurance

We're here to help with your foster care agency insurance

Taking care of your insurance is just one way our team can support you. We're here to help you manage your risks – to protect your business, your staff and the people in your care.

  • Commitment 
    We understand the unique pressures, challenges and risks you face each day. Our expert team is dedicated to simplifying your insurance, making it one less thing for you to worry about. 
  • Experience
    We're experts with many years of experience and can arrange bespoke insurance that's tailored to protect you.
  • Support
    We're here to do the hard work, so you can focus on delivering excellent care. We'll search our panel of insurers and offer advice and support when you need it.

How our team of foster care insurance experts can help you

Our team of experts has years of experience supporting businesses in the care sector.

We take time to manage your risks and arrange cover that's right for your foster care agency, so you can relax and support the children in your care, knowing you, your business and your staff are protected.

What cover options can foster care agency insurance include?

We know running a foster care agency presents daily risks, from child safeguarding responsibilities to employee security and data protection. We understand that the accountability pressures you face for children in your care are increasing. We're here to ensure that your insurance cover provides the protection you need.

The standard foster care policy includes:

  • office insurance for contents, computer equipment and business interruption
  • employers, public and products liability
  • professional indemnity and medical malpractice
  • wilful damage – cover for damage caused by children to any property whilst under care
  • abuse – £5 million limit as standard
  • cyber liability
  • management liability (directors and officers insurance)
  • commercial legal expenses.

Cyber liability

Cybercrime in the health and care industry is now more frequent and sophisticated than ever. We can arrange cyber liability insurance to help protect against the risk of an attack on your business.

Corporate legal liability

Protects your company against defence costs and awards associated with several events. This may include breach of data protection, health and safety, maladministration of a company pension or other regulatory claims.

Management liability

If someone claims a wrongful act: as a breach of duty or trust, a negligent act, or defamation against your company. Your director may be held liable, presenting a risk to their livelihood. Management liability will protect them.

Employment practice liability

If your company faces allegations of, for example, sexual harassment or wrongful dismissal by employees, this insurance will protect against compensation costs due. Legal costs in defending your case will also be covered.

Frequently asked questions

Does my business need employers liability insurance?
Yes. Under the Employers Liability (Compulsory Insurance) Act, if your company employs staff, you are required by law to have employers liability insurance in place. This insurance will enable you to meet the cost of any compensation due should an employee suffer injuries or illness, whether they are caused on or off-site.
When do I need to get employers liability cover for my business?
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.
What is the minimum cover I need to have in place for my business?
The level of cover you need will depend on many factors. We would need to assess your business and the risks it faces, then make recommendations. Other influences that can dictate how much cover you need are the types of people you care for, local authority requirements to meet your contract terms and any previous insurance claims you have made. In larger organisations, or where several employees are in one location, we'd recommend increased limits of cover are arranged. 
As an employer, you're legally required to have employers liability cover for compensation of at least £5 million, but most policies will offer cover for £10 million.
How much public liability insurance will I need?
The level of cover you need depends on the risks your practice faces. Cover can be anywhere from £2m to £10m or beyond. The patients you deal with, or local authority contracts you have tendered for may dictate the minimum value of cover you need.