Children’s Homes and Children’s Schools insurance are regarded by the insurance industry as high risk; it is a very specialised area and restricted to a limited number of Insurers.
Primary concerns are what is know as ‘long tail’ liability where claims arise years (and sometimes even decades) after the events – often concerning allegations of abuse – where difficulties tracking records and staff make defence of such claims extremely difficult.
Notwithstanding that, we believe that the high regulatory control from OFSTED and the generally high quality of establishments these days mean Children’s Homes and Schools (often combined as Children’s Residential Schools) are better than the perception and part of our role is to convince Insurers this is the case.
The differences between Mistreatment and Abuse cover and Professional Indemnity and whether either or both should be on a ‘claims made’ or ‘claims occurred’ basis mean Children’s Homes and Children’s Schools should only use a broker with specialist knowledge in this field.
Aldium has that knowledge and expertise and, combined with our access to markets, can provide the appropriate advice and cover at extremely competitive prices.
Our generic Summary of Cover will give you a more detailed description of the cover, terms and restrictions you can typically expect.
Every quotation will be accompanied by a Key Facts Summary of the cover (and a full policy ion request) for the particular Insurer being recommended.
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CARE PRE-QUOTE HEALTH CHECK
Important Information you should be aware of BEFORE you complete the Quote Request Form
Your quotation(s) will be based on the answers you give.
To save you time and trouble, many questions have been answered for you because
- some of the answers you gave to the same questions in a previous quotation request have been used, and/or
- we have used our knowledge of how the questions have been answered in the majority to answer on your behalf
However, this is purely for your convenience and these are your answers so it remains your responsibility to ensure that they are correct as failure to do so could invalidate your insurance(s)
It is therefore imperative that you
- do read and understand all the questions
- visit the satisfy yourself that the answers given are true and correct
- make any necessary amendments
Please visit the Ministry of Justice site if you need clarification on how to answer conviction questions
After clicking ‘Request a Quote’ the required quote form will be downloaded to your device. ‘Macros’ must be enabled if/when prompted.
ALDIUM Compliance Manager