Who we support
Elderly care homes
Domiciliary Care Providers
Children’s’ Care Homes
Addiction Recovery Centres
Our clients are telling us
The Changing Risk Landscape in the Care SectorThe case for private healthcare provision
We're specialists...
Through our collective experience, we’ve observed many of the best and worst practices in the insurance advisory market. We’re here to challenge the status quo and aim to establish a new level of service. We’re combining the best traditions of technical advice and client centricity, with modern thinking and smart use of systems and technology to enhance the client experience and create a dynamic workplace for our team.
Challenges in your industry
Every care organisation is unique carrying differing levels of care and complexity in its offering. Having specialist care sector insurance means you’ll have the right cover in place to help mitigate risk and prevent claims.
How we support
We provide personalised solutions and advice to reflect the unique nature of every business in the care sector. With years of experience working within the care sector, we have an in-depth knowledge of how a care business operates and the exposures that they’re faced with every day.
Your business performs
At Partners&, we’re able to carry out a full review of your care sector insurance programme, assessing its fitness for purpose. We work with care homes including children’s care homes, mental health, addiction and recovery, and domiciliary care providers to cover their regulatory and business needs. We take the time to work with you to identify any gaps that others may not.
Who we support
Elderly Care Homes
Within our care sector insurance team we have many years’ experience providing specialist insurance for all types of residential care homes for the elderly.
Domiciliary Care Providers
Caring for people in their own homes comes with its own risks. Domiciliary care insurance is a specialist area that requires specialist advice and cover, we provide personalised solutions and advice to reflect this.
Children's' Care Homes
From small care homes with a handful of beds to larger groups with many homes throughout the UK, no matter the size of your business we can help with your insurance needs. We can provide cover that meets your specific care home requirements.
Addiction Recovery Centres
Addiction can be life crippling and a rehabilitation organisation will have some amazing superheroes to help turn people in a different direction. We offer bespoke cover for your organisation and helpful advice for your superheroes.
Why do you need specialist care insurance?
The care sector as a whole has faced many unexpected challenges over the past few years and the landscape continues to change. We understand the intricacies of the treatments, care plans and safeguarding you need to have in place and work in partnership with you to fully understand your business so that we can diagnose your risks and provide truly bespoke risk protection advice that is relevant to you and the care industry. We design solutions that make the whole journey simple and effective.
Avoiding the risk of underinsurance
Did you know 19% of businesses haven’t reviewed their indemnity period in the last two years? Despite this, 91% of SMEs believe they have the right level of cover in place*.
If your business is underinsured, your company’s assets are being insured at less than their true worth, leaving you inadequately protected. Therefore, in the event of a disaster, you would be compensated for less than the true value of your loss.
That’s not what you want to hear when you are making a claim. Click here to read more about underinsurance
Usual types of cover for the care sector
Cover for the defence costs and damages that you or liable to pay for any alleged sub-standard care or negligence to a service user/patient.
Defence against liability for damages and defence costs for incidents that you are liable to pay in relation to an incident at the premises, third party property damage or an incident related to a product supplied.
Provides cover for the business against employees who have suffered injury or fallen ill at work due to any alleged negligence on the employers part.
Cover for goods, drugs or vaccines damaged as a result of a change in temperature caused by the breakdown of refrigeration units or accidental damage to it.
Provides cover for loss of earnings in the event that you license is withdrawn by the governing body.
Cover in the event of alleged abuse/molestation by people under your care or responsibility.
Provides cover for the costs of defending your business against any threatened or asserted claim. Cover is broad and can defend against employment disputes to local authority contractual disputes. This can even provide assistance when disputing a decision by the governing body.
