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
-
Business interruption
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Money
-
Employers' liability
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Public & products liability, including:
- Abuse cover defined and written on a claims occurring basis
- Healthcare procedures cover available
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Professional indemnity available for non-clinical activities
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Loss of registration
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Legal expenses
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Additional benefits
- Proactive Rehabilitation Support
- This benefit offers rehabilitation support to employees injured at work, available even before a formal claim is made or liability is accepted. Early intervention can lead to quicker recovery and has several advantages:
- Reduces recovery time and helps employees return to work sooner
- Reduces the need for temporary staff or overtime
- Helps employees resume their pre-injury duties
- May prevent formal claims
- Increases employee satisfaction through employer support
- Lowers claim numbers and can reduce employers' liability insurance costs.
- This benefit offers rehabilitation support to employees injured at work, available even before a formal claim is made or liability is accepted. Early intervention can lead to quicker recovery and has several advantages:
- Specialist Risk Control
- Specialist advice from a dedicated Risk Manager with in-depth sector knowledge
- Free access to hundreds of online courses to help manage risks via Cardinus Risk Management
- We run regular IOSH courses and other specialised training for our clients
- Rebuild Cost Assessment: revaluation service available at discounted rates
- Support with regulatory challenges and running your business including mock CQC inspections available.
- Proactive Rehabilitation Support
General questions
These questions will give you a sense of the information needed to write a policy.
We will need to know:
Who are the people that are being supported? What needs do they have? Are they children or adults?
Where do you support them? (For example, in their own home/at supported living facilities/residential care/schools, etc.)
What services and support do you provide to the people being cared for? (For example, personal care, healthcare treatment, talking therapies or counselling, education, etc.)
Are you registered with the CQC/Ofsted or equivalent?
Do Local Authorities provide funding to you and is this sufficient to support the people you look after?
Let's get specific
These are the kinds of detailed questions we will ask to better understand day-to-day operations.
We will need to understand what fire protections there are.
Are any of the buildings listed premises or unoccupied?
Are there any commercial laundry facilities on site?
Are there any commercial cooking facilities and, if so, is fire suppression fitted?
Do you use agency staff or volunteers?
Do all staff have a documented training plan?
Do you provide training to all staff on the best practices for de-escalation and restraint?
Do all staff complete a medical questionnaire prior to employment?
How many people do you support?
What is the maximum and minimum staff to service user ratio?
Do you offer domiciliary care or supported living?
How many of the people you support are non-verbal or non-mobile?
Do you support people with a history of violence, sexual offences or arson?
Do you accept emergency placements?
Do you carry out DBS checks (or other regional equivalent) on all staff?
Do you have written guidelines relating to the protection of children and vulnerable adults?
Do you provide training to all staff on your policies and procedures relating to safeguarding?
Do you investigate all allegations of abuse?
Do you have any substantiated allegations of abuse?
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.
Health & Care Safeguarding and Abuse Questionnaire
Care & Support Questionnaire
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