Insurance for Care Homes

Transcription

1 Insurance for Care Homes

2 Introduction to Towergate Patrick Towergate Patrick has over 25 years experience of providing insurance exclusively for the care sector. We truly understand the changing needs of our customers and the risks you are exposed to in an increasingly litigious society. Because no two care homes are the same, our specialist care home insurance is designed to offer flexible, value-for-money cover. We will thoroughly evaluate the requirements of your care home and offer you a tailor-made policy to suit. This means you get to define the precise level of cover needed to protect your business. Towergate has access to the largest range of insurance products and services in the UK, backed by leading insurers. You will benefit directly from our in-house administrators and underwriters, a wide range of cover and an in-house claims service in the event something goes wrong. 10 Reasons Why Towergate Patrick is Right for Your Care-home Business 1. With over 25 years specialist experience within the care home sector, our staff can offer a high level of expertise and a real understanding of your business requirements. 2. When something goes wrong, a quick and effective response could be vital to keep you in business. Our dedicated claims-handling service gets your care home back up and running as quickly as possible. 3. If there is a major incident, Towergate Assist provides a loss adjuster to look after your interests so that you can concentrate on the business. 4. For added financial security, our policy is underwritten by a leading insurer. 5. CybHR online human-resources system is included within our policy to streamline your administration, and save you money if you are already paying for HR administration elsewhere. 6. Abbey Legal Protection 24 hour Helpline. All their advisors are qualified solicitors or barristers and they have a care home-specific team for employment-related matters. 7. Access to one of the country s leading independent registration and healthcare consultants who is a specialist in risk management. 8. Dependable public-liability cover with no abuse exclusion plus our wide malpractice cover. 9. In-house underwriters to process your application and commence cover quickly and efficiently. 10. Arrangements with insurers for your non-care home related insurance risks.

3 Product range Care home insurance Residential and nursing care for the elderly Residential and supported living for adults Domiciliary Care Minibus Insurance Key policy features: Our team has vast experience and expertise in all aspects of care home insurance and our specialist products can be tailored to the individual requirements of your care home. We will thoroughly evaluate your business and offer you specialist advice and guidance to ensure you feel confident that, should you ever have to make a claim, your business is very well prepared. 24-hour legal advice helpline Cover for abuse allegations Legal liabilities, including malpractice Personal injury or assault during the course of the business Home contents insurance, including residents effects Loss of earnings Book debts Loss of money and cheques Legal expenses insurance (administered by Abbey Legal Protection and underwritten by Brit Insurance Ltd.) Prompt access to a registration consultant Business interruption Additional benefits included as standard in our Care Concept policy include: Towergate Assist You will receive a full loss-recovery service in person from a Towergate appointed loss adjuster, which also includes a 24-hour/365 days-a-year helpline, for immediate advice and assistance. For material damage claims over 5,000 (excluding subsidence), Towergate Assist will: Apply to both material damage and business interruption claims Arrange interim payments from insurers when necessary Arrange temporary premises and equipment to enable trade to continue Prepare a fully-valued inventory of all items damaged or stolen Handle meetings and correspondence with insurers Co-ordinate builders, surveyors, decorators etc. as required Work in conjunction with your own accountants to formulate a loss-of-profits claim Negotiate the best possible settlement(s) to which you are entitled

4 CybHR As part of our legal expenses cover, you will receive, at no extra cost, a web-based human resources management tool CybHR. This can be used to manage your human resources administration completely and help keep you compliant. In one place, it includes customisable letter templates and can be used to store all your important documentation, including employee contracts and policy statements. In addition, the system delivers the latest news and a knowledge bank of HR-related legal topics. The less time you spend on administration and paperwork, the more time you will have to maximise the potential and independence of your service users. Domiciliary care In this ever-evolving market, where more and more elderly or vulnerable adults are cared for in their own homes, care givers and care business owners need to ensure they are adequately covered to perform their duties away from their own premises. Towergate homecare insurance is a flexible policy aimed at fulfilling most domiciliary care requirements. In-house underwriter to quickly establish cover Access to a registration consultant Public/products liability: limit of indemnity 10m and including theft by employee of service user s property ( 25,000) Employer s liability 10m Medical malpractice 5m Professional indemnity 2m Office contents, including money and business interruption Minibus insurance If you operate a minibus to transport residents, Towergate Patrick can provide minibus insurance to suit almost any care home, nursing home or day centre, providing that drivers have the appropriate UK licence and the vehicle has between seven and 17 seats. Additional insurances and services available Towergate has access to the largest range of insurance products in the UK, so we are able to accommodate all sorts of circumstances and requests for extra cover. Popular care home add-ons include: Directors and officers liability insurance Risk management Pensions advisory service Care home buildings insurance Passenger-lift inspection and plant breakdown Loss of your own, or your family s, personal belongings Personal accident insurance (for you and all your staff) What happens if you need to make a claim? Towergate Patrick has a dedicated claims team to give you the support you need until your claim is resolved. If you need to contact us out of office hours, we have a 24- hour emergency assistance helpline.

5 Welcome to Towergate Patrick Exemplary knowledge of the care industry is critical in truly understanding and responding to our clients needs and, with this in mind, we have put together a strong, professional team who have vast experience and expertise in all aspects of care-home insurance. We are passionate about the service we provide. We are immensely proud of the commitment demonstrated, and the success achieved, by our team to date. We continually strive to build on the care insurance products and services we offer in order to meet the changing needs of our clients. In addition, as part of Europe s leading insurance intermediary, we have access to the largest range of insurance and risk-management products available in the UK, so we are well placed to relieve some of the burden of risk from your care home. At Towergate Patrick, exceptional customer service is paramount and going the extra mile is at the heart of our ethos. Susan Lee, ACII, MCMI Managing Director Towergate Patrick Susan Lee was appointed Managing Director of Towergate Patrick in 2009, having joined Towergate Partnership in Susan has worked in the insurance business for over 20 years and in this time she has dealt with businesses of all sizes from many different industries.

6 Contact details To find out how we can help your business: Telephone: Towergate Patrick Britannic House 230 Burlington Road New Malden Surrey KT3 4NW Towergate Patrick is a trading name of Towergate Underwriting Group Limited Registered Office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN Registered in England no Authorised and regulated by the Financial Services Authority 5698/129/BR/03.10/91018