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Insurance for learning difficulty service providers

How can our learning difficulty insurance experts help

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 learning difficulty provider is unique; our healthcare 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 extensive work behind the scenes with our panel of insurers, to ensure the learning difficulty liability insurance you have in place is just right for you.

Our healthcare insurance advisors

Our team has decades of experience in the healthcare 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 are able to focus on your business.

Insurance for learning disability service providers

Our team works with speciality insurers to provide leading solutions for learning difficulty service providers, helping protect their reputation, tackle everyday challenges, and remain compliant. We service a wide range of learning difficulty support services, including hospitals, inpatient and outpatient services.

  • Care homes
    Cover across all aspects of residential care. Services for all ages from children to elderly.
  • Supported living
    For providers of respite care services, home help, supported housing, supported housing with care and day care services.
  • Rehabilitation
    Facilities providing treatment for addictions such as drug and alcohol addiction.
  • Specialist community services
    Providers offering specialist learning difficulty services for people of all ages.

What our learning difficulty liability insurance covers

In a standard insurance policy, you’ll be covered for:

  • Public and products liability
  • Professional liability including medical malpractice
  • Management liability (executive liability)

Governing bodies

We are always here for our clients, and work hard to ensure that our care home insurance products and services keep up with the pace of change. Our solutions fully meet the requirements of the following bodies:

Care Quality Commission in England (CQC).
Regulation Quality Improvement Authority in Ireland (RQIA).
Care and Social Services Inspectorate in Wales (CSSIW).
Care Inspectorate (CI) and Healthcare Improvement Scotland (HIS).

Read our latest health and care industry articles

Frequently asked questions

Q
Does my business need employers liability insurance?
A
Yes. Under the Employers’ Liability (Compulsory Insurance) Act 1969, all organisations that have staff require by law to have employers liability insurance. If one of your employees suffers an injury or an illness that they believe is a result of their work – they may try to claim compensation.
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.