Frequently Asked Questions
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What does CARE recommend as prudent limits of protection within the main home covers for liability protection?
Any insurance programme proposed needs to be based around how risk averse an organisation is. The standard levels of covers are:
- Employers' Liability
- Limit of indemnity £10,000,000
- Public and Products Liability
- Limit of indemnity £5,000,000
- Malpractice/ Treatment Liability
- Limit of indemnity of £5,000,000
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Do I need Malpractice/Treatment Cover?
Malpractice/Treatment cover provides indemnity against any errors or omissions in the provision of professional services carried out in connection with the home. This includes the administration of and/or failure to administer medication.
It would be our recommendation that all care homes have this cover as they do have an exposure. Even opening a bottle of aspirin for a service user will be deemed as administration.
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Does the cover protect me against claims for allegations of abuse?
Yes, all policies that we recommend have abuse cover.
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Will my policy provide protection against employment disputes?
Yes, all our children's home insurers provide legal cover with an indemnity limit of £100,000. Cover is typically provided for such areas as employment and legal disputes and debt recovery.
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Does my policy provide me with professional indemnity insurance?
No, professional indemnity insurance provides indemnity against you causing financial loss to a third party.
An example of this would be where advice or training is given for a specific fee to third party companies. This policy will pay legal defence costs and compensation in the event that the third party company suffers a financial loss a result of your negligent training or advice.
However, you will be indemnified for death or bodily injury to a member of the public by your Public Liability cover. Subject to legal liability, and injury or death, arising in connection with the business.