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Nursing Home Insurance

How can we help your nursing home?

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 extensive 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 are able to focus on your business.

Our nursing home clients

We work with a wide range of care home businesses, helping them to protect their reputation, tackle everyday challenges, and remain compliant.

  • Nursing or residential care homes for the elderly.
  • Homes dealing with mental health and mental disorder categories.
  • Homes for service users with learning and physical difficulties.
  • Supported living and sheltered accommodation.
  • Day care services.
  • Children’s homes or agencies.
  • Clinics and rehabilitation centres.
  • Hospices.

What we cover

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

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

All mention of enhancements to cover, or of discounts, is in comparison to Markel’s standard open market offering.

Governing bodies

We are always here for our clients, and work hard to ensure that our nursing 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).

Efficient claims service

We can advise and negotiate claims for you.

So, in the event of a claim, your adviser can manage the process through to settlement – allowing you to get on with running your business.

Frequently asked questions

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 insurance 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 is the minimum cover I need to have in place for my care 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.

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