NURSING HOME INSURANCE
As specialist care insurance brokers, ‘Aldium4Care’ has looked after the care sector for over 20 years.
Our experts will take the time to learn about your nursing home and your insurance needs and have access to market leading insurers and exclusive schemes.
Once you have spoken to our experts they will then search the insurance market to find the best quote for you, providing you with both affordable and suitable insurance for your business.
To request a quote, simply enter your details and one of our care
specialists will contact you.
You can also call us directly on 0151 353 3880.
WHAT DOES NURSING HOME INSURANCE COVER?
Your nursing home insurance policy will contain a number of different sections, some of our key covers can include:
BUILDINGS COVER
This will compensate you for the cost of rebuilding, repairing or renovating your care home property in the event that it is damaged by an insured peril such as fire or flood.
CONTENTS COVER
Your home will be full of different types of business contents, This can cover items such as medicines, vaccines and controlled drugs in addition to your usual contents such as furniture and other fixtures.
EMPLOYERS’ LIABILITY
Employers’ Liability Insurance is a legal requirement if you employ anyone.
This will cover you for any compensation amount and legal costs if an employee claims compensation for a work-related illness or injury.
PUBLIC LIABILITY
Public Liability covers your business against claims to cover damages and legal costs that people may make against your business. These claims may arise from; Residents, suppliers, members of the public or visitors.
MEDICAL MALPRACTICE
Medical malpractice cover is an essential cover for any health and social care provider. It can cover legal expenses and compensation if a claim arising from malpractice, neglect or abuse is made.
RESIDENTS EFFECTS
In addition to your business contents, you can arrange cover to protect the possesions of your residents and service users against theft or other damage.
BUSINESS INTERRUPTION
Business Interruption cover is an insurance coverage that replaces income lost in the event that business is halted due to direct physical loss or damage such as fire or flood.
LEGAL EXPENSES
Commercial Legal Expenses is generally designed to assist you in getting expert legal advice for circumstances such as an employment tribunal or a contract dispute. It could provide cover for legal representation and cover for legal expenses in the event of a claim.
WHY CHOOSE ALDIUM4CARE?
Aldium has access to market leading insurers and we work with them on your behalf and Aldium also have access to an exclusive insurance policy with the UK’s largest insurer that is underwritten by Aldiums trading divison Accuro Underwriting.
EXTENSIVE KNOWLEDGE
Our care team will take the time to understand you and your business and help indentify what protection you need. Our staff are dedicated to the care sector and spend their day looking after our care clients.
EXCELLENT CUSTOMER SERVICE
Nursing Home Insurance isn’t just a once a year event. Your needs may change throughout the year or new regulations may be introduced. Whether you have a question about your policy or need help with something else our team will be here to help you with it.
COMPETITIVE PRICES
Once we understand your care insurance needs we will then approach our panel of insurers to find the most competitive package for you. We will send them our presentation of your home so they can better understand your business.
CLAIMS SERVICE
It’s something you hope never happens but should you need to make a claim our in-house claims manager will be on hand to manage your claim.
DO I NEED INSURANCE FOR MY NURSING HOME ?
An insurance policy has a core purpose which is an arrangement by which a company undertakes to provide a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a specified premium.
Insurance policies for nursing homes can contain a combination of many common covers found in most commercial insurance policies however also has increased covers to offer protection to businesses that provider care for the elderly including those who are affected by dementia, children, disabilities or with mental health problems.
It is a statutory requirement to ensure your care business has adequate insurance in place as part of the Care Quality Commission ‘CQC’ standards (CIW – Wales, CI – Scotland).
Whilst there is common covers, many insurance policies are not suitable for residental homes because you require specific insurance covers will ensure you are adequately protected in offering care-related services.
Get in touch with our insurance experts by calling 0151 353 3880
WHAT DO OUR CLIENTS SAY ABOUT US?
Don’t take our word for it, we are proud to display the positive feedback we recieve – here’s what care providers say:
Protecting Your Care Home
An insurance policy has a core purpose which is an arrangement by which a company undertakes to provide a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a specified premium.
Whilst we would all love insurance to be that 5 minute task that comes around once per year it isn’t. It is a lifeline extension of your business that can make the difference in a time of need whether or not your business can survive a claim. Whether it’s a storm, a theft or an injured employee.
Aldium4Care will take the time to get to know you and your care home and review your insurance needs in full.
OTHER CARE SECTOR INSURANCE
Please take a look at the following insurance products we can help with:
Domiciliary Care Insurance
Childrens Care Insurance
Supported Living Insurance
Care Property Owners Insurance
Engineering Cover
Cyber Insurance
Request a Quote
Enter your details below and one of our care specialists will contact you shortly.
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