Our speciality is finding the right specialist for the job.

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The care industry comprises a wide range of diverse organisations providing all manner of health and welfare services to the old and the young, the ill and infirm, the mentally and physically disabled, the educationally disadvantaged and all combinations in between. In some cases it’s on clients’ own premises such as care homes and surgeries, in others it’s at the home of the individual or their workplace.

Such a broad industry, tackling such a huge variety of problems and issues, often in highly emotional and life-or-death environments, inevitably face all manner of risks in the conduct of their day to day activities.

In addition to the everyday risks of fire, flood, theft and workplace accidents, you are exposed to a vast array of liability issues including medical malpractice, infectious diseases and mental, physical and sexual abuse.

To protect against such a broad risk scenario calls for the advice and guidance of an insurance specialist.

Over many years, we have developed a wide range of property and liability insurance products designed to meet the particular requirements of the care sector including access to a range of ancillary services including risk management advice and claims support.

We have a number of specialist schemes with individual underwriters designed to provide wide-ranging cover at competitive premiums and we also have long-standing relationships with other leading insurers where an open-market solution is in our client’s best interests.

And, as one of the largest insurance broking groups in the UK, we can often secure exclusive deals that are not available elsewhere.

With branches in around sixty locations and care sector specialists in both the north and south, we can provide excellent local service to help you arrange the most appropriate cover and assist you in the event of a major claim.

Our clients

We have around three thousand healthcare clients – including some of the biggest names in the industry - and have the knowledge and expertise to provide insurance products and services for all areas of this diverse sector including:

• Care and nursing homes for the elderly
• Care and nursing homes for mental health categories and adults with learning and physical disabilities
• Domiciliary care
• Nursing agencies
• Hospices
• Day centres
• Clinics
• Supported living and sheltered accommodation
• Charities
• Healthcare
• Doctors and dentists surgeries

Protecting people and assets

We offer the full range of cover to protect our clients’ property, patients and employees including:

• Buildings
• Contents, machinery and equipment
• Business interruption
• Medical supplies
• Mechanical breakdown/engineering
• Loss of registration
• Employee dishonesty
• Personal accident and travel
• Kidnap and ransom
• Motor fleet and minibus

Protecting legal liabilities

• Trustees’ indemnity
• Directors & Officers Liability/Employment Practice Liability/Entity Liability
• Employers’ liability
• Public liability
• Abuse, medical malpractice and mistreatment
• Legal expenses

Risk management services

In addition to designing the insurance programme that best meets each individual client’s particular requirements, we can also provide access to a range of support services designed to help you improve safety and security; reduce accidents at work involving staff, patients and visitors; mitigate losses in the event of an adverse incident; and design a business continuity plan for use in a disaster.

Such support may be provided in the form of published materials or by introducing the services of fee-based specialist surveyors and risk managers.

Typical topics include the following: