Frequently Asked Questions
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I am a new start up domiciliary agency and need to be able to evidence that insurance is in place to obtain CSCI registration. Can you help?
Yes. We are able to confirm cover subject to you providing evidence of CSCI registration within one month of the policy inception.
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What key covers should community care providers have in place?
Our scheme provides all the key covers as part of our core package including Employers' Liability, Public & Products Liability, Malpractice and Legal Expenses.
The covers can be further extended to include Office (Buildings and Contents) cover and Business Interruption cover.
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Do you apply a minimum premium?
Yes. Our minimum premium is £787.50
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I have clients that need assistance with more invasive services such as peg feeding, use of pessaries or injections for diabetes. Can you cover this and what are the conditions of cover?
Yes we can cover this. Staff must have adequate and suitable training, and the district nurse or GP must be happy for your staff to conduct these activities.
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You require wage costs and annual turnover figures to calculate annual premiums. Obviously I don't know exactly what those will be for the applicable year of insurance in advance. What should I do?
Our cover is subject to your annual declaration. At the start of the policy period we request you to estimate figures. The premium charged is based on those estimated figures.
At the end of the policy period we will request the actual declared figures. If the wages and turnover have increased then a further premium will be due.
If the wages and turnover have reduced then a return premium will be generated, subject to the overall minimum premium of £787.50 still applying.
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Commissioners and others in the past have requested that my cover includes Professional Indemnity cover. What protection does this give me over my Malpractice and why do I need this?
CARE can extend the main domiciliary covers to include Professional Indemnity, which is designed to protect you against financial loss that may come out of contracts you have in place.
CARE are regulated by the FSA and part of the regulation dictates that we should treat customers fairly; this includes not selling covers to clients that are not needed. CARE believe that the Malpractice provision provided by the domiciliary policy meets such needs.
However, CARE have taken a commercial decision to offer customers the option to purchase this cover at a nominal cost to ensure commissioners' requirements are met.