Insurance for Care Organisations
Caring for a world of needs
Rest easy. Travelers has been protecting the care sector for decades. We’ve developed a depth of understanding about needs and risks at care delivery organisations.
We want you to focus on your business – not to have to take time out to manage losses related to risks. Whether it’s protecting your service users, employees or assets, our specialist Healthcare risk consultants work collaboratively with you to assess and manage your insurable risks, providing advice and support on the areas where we often see claims.
Our appetite
We cover
These fall within our appetite, and we’re happy to discuss details.
- Specialist residential care
- Supported living
- Community support
- Day centres
- Special educational needs schools
For people with:
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- Mental illness
- Learning disabilities
- Autism
- Physical disability
- Brain injuries
- Emotional or behavioural difficulties
- Addiction recovery support
We do not cover
Sorry, we’re currently unable to insure the following.
- Domiciliary care (where it is the primary income generator)
- Fostering services
- Elderly care (where it is the primary income generator) other than for property and business interruption
Care covers & highlights
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Property damage
- Buildings, contents and stock
- Medical equipment
- Computer equipment
- Patients’ valuables and residents’ effects
-
Money and personal accident (including assault)
-
Loss of registration
-
Legal expenses
-
Business interruption arising from:
- Damage to business property
- Damage to third-party property
-
Abuse cover, including acts or omissions of a physical, sexual, verbal, psychological, emotional or financial nature
-
Public & Products Liability Healthcare Treatment Extension available for selected risks
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Professional indemnity cover available for selected risks
-
Additional benefits
- Proactive Rehabilitation Support (PRS)
- This benefit provides rehabilitation support to an employee injured at work. The support is available before a formal claim is made or before liability is accepted, where such intervention is likely to result in a quicker recovery and any payments will not appear in a claims experience.
- Support to aid the recovery of employees injured at work can be deployed within days. This early intervention can provide benefits as follows:
- Reducing the time for the employee to recover and return to work, therefore:
- Minimising the inconvenience to the business
- Reducing the need to engage temporary staff or work overtime to cover for the absent employee
- Helping the employee to return to the work duties they had before the injury
- Successful intervention might reduce the possibility of a formal claim
- Increasing employee satisfaction following demonstrable support by the employer
- Reduced claim numbers and the cost savings can lower employers' liability insurance costs
- Reducing the time for the employee to recover and return to work, therefore:
- Proactive Rehabilitation Support (PRS)
- Access to third-party affiliates for complimentary or discounted risk management services
- When policyholders need help managing their risks, we don’t want cost to be a barrier. Our alliance partners offer complimentary or discounted support through a range of services such as online health and safety training, assessment tools and kitchen fire suppression system installation.
General questions
These questions will give you a sense of the information needed to write a policy.
What services are provided and what activities are carried out? (Kindly include details of any support or care provided to service users.)
What are the contents of the health and safety policy?
Who are the staff, and what are their qualifications, training and checks?
What are the properties, their facilities and how they are managed?
What infection control policies and procedures are in place?
Let's get specific
These are the kinds of detailed questions we will ask to better understand day-to-day operations.
Is the business registered with the Care Quality Commission (CQC)/Ofsted or equivalent?
Does the business receive funding from any local authority(ies)?
How many service users does the business support?
Is domiciliary care or supported living offered?
What is the typical age range of service users?
What are the common needs of the service users supported?
Are any service users non-mobile or non-verbal?
Are there supported service users with a history of violence, aggression, sexual offences/behaviour, arson/fire setting or other criminal offences?
What is the staff-to-service user ratio?
What is the ratio of permanent staff versus agency staff?
How is a staff members’ suitability to work in the sector assessed; e.g., Disclosure and Barring Service (DBS), Disclosure Scotland, Access Northern Ireland (AccessNI), references?
Does the business have a whistleblowing policy?
Are there laundry facilities on site?
Are there kitchen facilities on site?
What controls are in place in respect to contractors working at your premises?
Is cover for abuse required?
Have there been any allegations of abuse against the organisation or staff?
Are there written guidelines for the protection of vulnerable adults and children?
What activities are carried out away from the premises?
Is there a written infection control and prevention procedure including use of personal protective equipment (PPE)?
Are there isolation facilities in the event of infection?
Related products
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.
Health & care
We’re one of the few specialised insurers that delivers bespoke solutions to organisations providing care and health advice and treatment. This includes clinics, care facilities, charities and hospitals.
Cyber
Every company faces cyber threats and risks. Cyber cover helps businesses deal with the increasing complexity of digital crime.
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.
For brokers
Let’s save some time
We can figure out what’s best for your client when we’ve got the right information. Please review the questions on this page to get a sense of what we need to know.
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