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Insurance for Nursing and Residential Care Homes

One of our insurers are now offering an insurance scheme designed for residential homes, retirement homes, care homes, rest homes and nursing homes for the elderly.

We fully understand the needs of welcare institutions such as care homes and nursing homes and are able to offer a comprehensive and unique insurance package to meet your special requirements.

Buildings & Contents
Extending to cover loss or damage to Directors, Partners, Visitors, Employees and proprietors’ personal effects. Fire, Full Perils including accidental loss or damage. Excess of £250 increasing to £1000 in respects of subsidence, landslip or heave.

Loss of Gross Revenue/Gross and Increased Cost of Working
Extends to include loss due to or caused by vermin, contagious and/or infectious illness, food or drink poisoning, pollution, failure of public supplies and denial of access.

Employers Liability and Public Liability
Extends to include treatment risk only in respects of malpractice.

Legal Expenses
Costs, expenses reasonably incurred for which you may be made liable by order of a court.

Book Debts
Covers your inability to collect outstanding accounts following damage to your business records.

Theft by Employee
Cover is provided in respect of any loss of money or goods caused by any act of Theft.

Transit
Covers your goods whilst being transported in any vehicle in connection with the business for all risks.

Deterioration of Stock
Provides replacement of stock lost as a result of breakdown of or damage to freezers, refrigeration and cold rooms.

Loss of Registration
Covers compensation for the depreciation in the value of the premises or reduction in turnover, following forfeiture of your Registration Certificate as a result of circumstances beyond your control.

Inspection
Statutory and other inspections on selected items of plant and machinery.

Engineering
Sudden and unforeseen damage (which includes breakdown and explosion) to all electrical and mechanical plant and machinery.

Personal accident and money cover, including personal accident assault benefits, is also available.

Can we help you?

If the above scheme, product or article interests you, please mention this when contacting us. That way we can select the insurer/product mentioned, as we have a range of insurers that offer different benefits, for example not all of our insurers may cover the key elements mentioned above.

If you would like us to provide a quotation please complete one of the following:

We do everything we possibly can to check that we have got our facts straight, but it’s always possible that we could make a mistake (hopefully not or never would be better). Therefore we would like to make you aware that we accept no responsibility for information that may be factually incorrect or out of date, but we will do our best to make sure that all content is accurate. Our vision behind bringing the blog to the wider community is to keep our clients and prospective clients informed of their legal requirements, the different products on offer and how they may benefit your business and the new schemes we find which we think will benefit you.

We are Personal and Commercial Insurance Brokers based in Newquay, Cornwall covering the whole of the UK.