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Foster Care Agency Insurance

How can we help your foster care agency? 

Insurance is just one way our team can support you and your business.
It’s our job to manage your risks to protect your business, your staff, and the people you care for.

  • Simplicity
    We understand the pressure you’re under every day and do everything we can to ensure your insurance options are presented simply, expertly, and impartially.
  • Experience
    Recognising every care provider is unique; our care team offers a wealth of experience, takes a long-term view, and tailors your solution to your specific needs.
  • Protection
    We do our due diligence upfront, and a huge amount of work behind the scenes with our panel of insurers, to ensure the cover you have in place is just right for you.

Our health and care advisers

Our care team has decades of experience in the care sector. We recognise every business is unique, and offer our advice and guidance to help you protect your complex world.

We offer a range of services to help you reduce risk and adapt to your ever-changing world, so you can provide amazing experiences to your clients.

GET IN TOUCH WITH A CARE INSURANCE ADVISER

Need expert advice? Call the care team now, or complete our online form and we’ll call you.

Click here to request a call back 0113 350 8712

Foster care agency insurance

Foster care agencies deal with a large variety of risks from responsibilities around the safeguarding of children, to employee security and data protection. Foster care agencies are becoming increasingly accountable for children in care making it more important than ever to make sure your insurance cover is robust.

The FosterGuard package is designed especially for foster care agencies, giving you reassurance that your business and staff are protected.

The standard policy includes:

  • Office insurance for contents, computer equipment and business interruption.
  • Employers and public/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.

What people like you, say about us

Domiciliary Care, Home Instead Senior Care 

Adam Wheelhouse demonstrated a real desire to understand our needs and a desire to find an insurance solution that met those needs.

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Care, Jon Gwynn, Independence with Care

We received excellent service from Gemma when renewing our Care Home Insurance.

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PMI Client Review - Surrey

Jelf had a rapid understanding of my requirements and provided very clear communication. I have suggested to my new company that they consider using Jelf for our future benefits requirements.

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Cyber liability

Cyber security in the health and care industry has been a growing concern over the past few years. We can advise on a solution for your business.

Find out more

Corporate legal liability

This covers your company for defence costs and awards associated with a number of events including breach of data protection, health and safety, maladministration of a company pension or other regulatory claims.

Management liability

An individual pursuing legal action could put a company director at risk of being held personally liable – putting their livelihood at risk.

Read more

Employment practice liability

This covers your company against defence costs and awards of claims arising, for example, from allegations of sexual harassment or wrongful dismissal by employees.

Frequently asked questions

Q
Does my 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 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 is the minimum cover I need to have in place for my business?
A
The level of cover required is dependent on many factors and we would need to assess the requirements of the business and make recommendations based on the information provided. There are also other factors that can dictate the level of cover needed, such as the types of people you are caring for or local authority requirements to meet the terms of the contract.
Q
How much public liability insurance 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 £2 million to £10 million or beyond. The minimum value could be dictated by the clients you work with, or local authority contracts you have tendered for.

Read our latest health and care industry articles

How the care sector is managing recruitment during the pandemic

The care sector struggled to recruit and retain staff well before the pandemic. These workforce shortages have intensified pressures on recruitment, with a third of respondents describing their need for more staff as ‘urgent and immediate’.

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COVID-19 and employee wellbeing in the care sector

Many care workers in the UK have made significant personal sacrifices throughout the pandemic. Putting themselves at risk, going months without loved ones to protect them, and working harder due to short staffing.

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The importance of cyber liability insurance for care providers

To protect against the risk of human error, carry out robust risk assessments, offer training and ensure you’re covered by a standard cyber liability policy protecting you against cyber-crime and data breaches.

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