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.
Spotlight video: Health and care insurance
Discover the key highlights of our health and care insurance in just three minutes. Watch Ruth Reaney, Head of Health and Care, as she shares an overview of who our cover is designed for and what sets Travelers apart.
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Logo: A red umbrella. Text: Travelers. Spotlight on Health and Care. Overview of Travelers Health and Care Insurance. Ruth Reaney, Head of Health and Care.
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RUTH REANEY: We have an expert team who look after our health and care clients. We have specialist underwriters, risk managers and claims professionals. Our specialist underwriters work with our brokers to understand the risks that each of our clients face, and make sure that our terms and conditions are tailor-made for them.
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Text: In-house risk management services and expertise.
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We have a strong risk management proposition, with in-house risk professionals who have worked in the care sector, and they can support our clients with training, mock CQC inspections, accident prevention plans, site visits, safeguarding reviews, and much more. We have a claims team with specialist knowledge of the sector, for example, many of them have undertaken training in de-escalation techniques, so they have in depth understanding of clients when they are dealing with challenging behaviours.
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Text: Why does a business need this insurance?
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Health and care organisations face unique challenges every day, with new regulations, technologies and risks to manage. We understand these requirements and our policy covers the key risks that businesses in this sector face. For example, we define Abuse in our wording and we offer cover on a claims occurring basis, with the option to provide retrospective cover if clients are moving from a claims made wording.
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Text: Who is this product for?
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We call our offering Health and Care, because we believe each sector has specific and different needs.
For Health, we can write business for diagnostic centres, private hospitals, clinics and rehabilitation centres. And for Care, we focus on the people that our clients care for and this will include adults and children with a wide range of conditions including learning difficulties, autism, physical disabilities and children with emotional and behavioural challenges. We cover many different types of facilities, such as residential or day care units, special schools, children’s homes, supported living spaces and hospices.
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Text: We also have appetite for: Hospices, NHS income-generating activities, NHS foundation trust hospitals, scanning centres.
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Text: Why Travelers?
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Text: Proactive rehabilitation service. In-house nursing team, no additional charge.
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We offer more than just an insurance policy. An important part of our proposition for clients is our proactive rehabilitation service for injured employees. Our inhouse nursing team will speak to the employee and find out what rehabilitation support they need. We work with a range of providers to find the best support and it’s completely free of charge to both the employee and the employer, because none of the costs ever attach to the claims experience. We don’t wait for a claim to deploy this service, so we can help injured employees recover faster and get back to work sooner. And in doing so, we support our clients, and their employees, equally and with care.
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Logo: A red umbrella. Text: Travelers. This video is for informational purposes only. It does not, and is not intended to, provide legal, technical or other professional advice. No representation or warranty (express or implied) is given as to the accuracy or completeness of the information contained in its presentation. In no event will Travelers be liable in tort or in contract to anyone who has access to this information. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S, and other countries. All other registered trademarks are the property of their respective owners.
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
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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.
Insights & industry knowledge
Articles to help your ambition succeed
Health and Care Resources
Interview with Ruth Reaney, Head of Health & Care at Travelers
An interview with Ruth Reaney, Head of Health & Care at Travelers, discusses tailored solutions such as expert risk control and efficient claims management.
Health and Care Resources
Protecting the Wellbeing of Health Charities
The past couple of years have been headline-grabbing times. The effects of Brexit, ongoing Covid-19 infections, and high inflation all pose burdensome challenges in the UK – and the healthcare sector has felt them more keenly than perhaps any other sector.
Health and Care Resources
Proactive Rehabilitation Protects Employers and Employees
The rollout of COVID-19 vaccines across the UK may be bringing infection rates down right now, but businesses will continue to feel ripple effects from the virus in the months ahead.
