Health and Care Organisations Insurance
Complex risks require expertise
Health and care organisations, including specialist care facilities, charities providing care, hospitals and clinics, face unique challenges every day. New standards of practice, technologies and institutional structures seem to be ever-changing. Travelers understands the pace of the healthcare industry and is one of the few specialised insurers providing tailored solutions for organisations in this sector. We’ve got the specialist knowledge to work closely with brokers and clients to create the right solution.
Explore health and care subsectors
Health
Health sector risks that lead to claims may need specific risk management practices. Our risk specialists can provide those – freeing clients to focus on providing health services.
Care
With decades of experience in the care sector, we’ve assembled covers for the most common risks. Facility types such as care homes and rehabilitation units have unique liabilities we’ve considered.
Travelers advantage
You can rest easy. Travelers has been protecting the health and care sectors for decades. We’ve got policyholders covered through bespoke products made to protect against a range of exposures.
- Financial strength. Financial strength and stability with international reach.
- Experience & expertise. Long-term industry experience combined with deep specialist underwriting expertise.
- Superior claims service. Expert Claims teams focused on delivering superior service.
- Dedicated risk managers & consultants. Access to risk consulting from trusted experts.
- Rehabilitation. Aid injured employees return to work with Travelers Proactive Rehabilitation Support.
- Safety Academy. Access to Institute of Occupational Safety and Health Managing Safety classroom courses.
Advantage spotlight
You’ll be keen to know about the following.
Rehabilitation programme
Our Proactive Rehabilitation Support provides rehabilitation support to an employee injured at work. Early intervention often results in quicker recoveries and improved employee retention. Payments do not appear in the claims experience because we provide support before a formal claim is made and without any admission of liability. Support to aid the recovery of employees injured at work can be deployed within days.
All claims handlers trained in Team Teach
More than 30% of healthcare claims arise from employee assaults. Our experienced Health and Care team has completed Team Teach training, which helps individuals manage distressed behaviours and conflicts safely. The training aids our team in appreciating the different de-escalation techniques used by our clients. Travelers is better placed to support in defending claims when we comprehend the complexities our clients face.
Health and care covers & highlights
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Property damage
- Buildings, contents and stock
- Medical equipment
- Computer equipment
- Patients’ valuables and residents’ effects
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Money and personal accident (including assault)
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Loss of registration
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Business interruption
- Damage to your property
- Damage to third-party property
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Public and products liability
- Abuse cover including acts or omissions of a physical, sexual, verbal, psychological, emotional or financial nature
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Healthcare Treatment Extension
- Available for selected risks
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Professional indemnity cover
- Available for selected risks
Let’s start the right conversation
For business
Find a broker
If you’re looking for covers and have a broker, ask about Travelers products.
If you need a broker, start with the right broker directory.
Need to call us directly? Contact us.
Case study
Attacked by a service user
A 25-year-old employee working in the care sector was attacked by a service user, suffering concussion, head injuries, soft tissue and bite injuries to her arms with associated psychological symptoms from the attack.
She went to A&E after the incident and then to a local GP in the days following. The employee was initially signed off for two weeks.
The insured reported the incident to Travelers and provided consent for us to contact the employee. Within 24 hours, our in-house Travelers nurse had made direct contact with the employee to assess the injuries and offer initial advice around treatment of symptoms.
The Travelers nurse then worked with the employee to arrange immediate private treatment when delays were experienced in obtaining the treatment required via her GP. The employee was seen for a private diagnostic assessment within 10 days of the incident. The employee returned to work and successfully resumed her pre-accident duties.
Resources
Related services
Risk services
Businesses aren’t all alike. That’s why Travelers provides superior risk management services tailored to a company’s specific needs.
Claims services
When claims happen, our best-in-class service helps to resolve them quickly and effectively, so clients can get back to business.
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