Specialist Insurance for Care Providers
Providing care comes with significant responsibility. From protecting residents and service users to supporting your employees, premises and reputation, care organisations face a complex and constantly evolving risk landscape.
At Alderley Insurance Brokers, we provide tailored insurance and risk management solutions for care homes and care providers across the UK.
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We take the time to understand how your organisation operates, the people you care for, your premises, workforce and contractual responsibilities before designing an insurance programme around your specific exposures.
Types of Care Organisations we work with
✦ Care Homes - Tailored insurance for care homes and nursing facilities, protecting buildings, contents, residents, employees and business income
✦ Domiciliary Care Providers - Specialist solutions for care providers delivering services in clients’ homes, including liability, employee and motor exposures.
✦ Adult Social Care Providers – Insurance for organisations who deliver practical support and care to adults to help them live independently.
✦ Surgeries – We work with a range of healthcare providers across the UK including doctors, dentists and physiotherapists. We understand your risks and arrangement appropriate cover to protect your exposures
✦ Complex Care Providers – Bespoke solutions for organisations providing specialist care, including mental health, learning disabilities, rehabilitation and complex care services
✦ Day Nurseries – Flexible insurance package options for Children’s day nurseries.
What Can We Cover?
A comprehensive care insurance programme can incorporate a range of covers depending on your organisation and individual risk profile.
Property Damage
Protecting your buildings, contents, equipment, fixtures and fittings against insured damage including fire, flood, escape of water, storm and other insured perils.
Business Interruption
If an insured event prevents your organisation from operating normally, Business Interruption insurance can help protect your income and continuing costs while you recover.
Public Liability
Protection against claims from residents, service users, visitors and other third parties alleging injury or damage arising from your organisation’s activities.
Employers’ Liability
Your employees are one of your greatest assets. Employers’ Liability insurance provides protection against claims arising from injury or illness suffered in connection with their employment.
Professional Indemnity
Care providers can face allegations that professional advice, treatment, care or services have resulted in financial loss, injury or other harm. Professional Indemnity can provide protection against covered claims and associated defence costs.
Medical Malpractice
Liability cover to offer protection for injury or illness claims resulting from medical negligence.
Abuse & Molestation Liability
Organisations caring for vulnerable people face particularly sensitive liability exposures. Specialist insurance can provide protection for allegations of abuse.
Management Liability
Directors, trustees and senior managers can face personal allegations arising from decisions made in the running of an organisation. Management Liability can provide protection for individuals and the organisation against a range of management-related claims.
Cyber Insurance
Care providers hold significant amounts of sensitive personal and medical information. Cyber insurance can provide protection against the financial consequences of cyber attacks, data breaches, ransomware and associated incidents.
Crime & Fraud
Protection against certain financial losses arising from employee dishonesty, theft, fraud and other crime-related exposures.
Understanding the Risks Facing Care Providers
Care organisations operate in an environment where a single incident can have consequences extending well beyond the immediate financial loss.
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Common exposures include:
✦ Accidents involving residents or service users
✦ Allegations of abuse or neglect
✦ Employee injuries
✦ Medication-related incidents
✦ Property damage and escape of water
✦ Business interruption
✦ Cyber attacks and data breaches
✦ Employee or financial fraud
✦ Vehicle and business-use exposures
✦ Regulatory and contractual responsibilities
✦ Reputational damage
Why Alderley?
Independent Advice
As an independent insurance broker, we are not restricted to a single insurer. We work with a carefully selected panel of Care insurance partners to identify appropriate solutions for our clients.
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Specialist Understanding
Care insurance requires an understanding of the sector and the risks that providers face. We get to know your business and understand how you actually operate.
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Bespoke Programmes
We don’t believe in one-size-fits-all insurance. Your programme is structured around your organisation, its exposures and its risk appetite.
Relationship-Led Service​
You will deal with our experienced, senior led team who take the time to understand your organisation and remain involved throughout the life of your insurance programme.
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Claims Support
We pride ourselves on our claims service. We provide proactive support throughout the claims process, liaising with insurers and helping to move your claim forward.
Protecting Your Organisation. Supporting Your Care.
Your priority is providing exceptional care.
Our priority is helping ensure that the organisation behind that care is properly protected.
Whether you operate a single care home or a growing group of care businesses, Alderley Insurance Brokers can provide a tailored approach to your insurance and risk management requirements.
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Speak to our team today for a confidential review of your existing insurance arrangements.