Residential Insurance for Mental Health / Learning Disabilities

Residential insurance for mental health and learning disabilities is a specialised coverage for care providers catering to individuals with mental health conditions, autism, learning disabilities, and other complex conditions.

This type of care insurance is designed to protect these homes’ property, staff, and residents from potential risks and liabilities.

Speak to one of our specialists today

What is covered by mental health and learning disability home insurance?

Mental health home insurance and insurance for learning difficulties protect against the specific risks of operating a facility for people with special needs.

It can include:

• Building and contents damage: Cost of property repair against damage from fire, vandalism, and extreme weather events.
• Treatment risk: Service user’s claim for negligence or malpractice due to any adverse reactions caused by treatments received at the facility.
• Abuse claims: Claims by any service user on account of alleged abuse at the facility.
• Professional indemnity: Potential lawsuits of professional negligence by service users and their families.
• Employers’ liability: Compensation claim by any employee or volunteer due to work-related injuries or illnesses.
• Other liability: Legal claims arising from accidents, injuries, or negligence on the premises.
• Public liability: Compensationclaim by any member of the public or third-party member who is injured or has property damaged.
• Book debts:Financial losses due to unpaid fees or outstanding debts owed to the facility for services rendered.
• Residents’ personal effects: Residents’ claims of losing their personal belongings, money, and valuables.
• Business interruption: Financial losses resulting from a temporary suspension of operations due to some untoward events.
• Legal expenses: Legal costs incurred in defending or pursuing legal actions related to the care facility’s operations.

These are brief product descriptions only. Please refer to your insurance policy documentation for particular terms and conditions, exclusions, warranties, subjectivities, excesses, and endorsements.

Benefits of mental health home insurance

Mental health home insurance and insurance for learning difficulties offers tailored coverage vital for care providers in this sector. Public liability insurance for mental health homes can protect the reputation of care providers and address their daily challenges.

How can I arrange for mental health and learning disability care home coverage?

Getting insurance coverage from us is easy. You can do any of the following:

• Call us on 01625 348029 (Monday to Friday: 9am – 5pm)
• Fill in and submit our short online form (we will get back with a custom quote for you)
• Arrange a call-back, and a member of our team will contact you at a time that suits you

Why choose Gallagher?

• 25+ years of experience in the care sector
• Specialist recommendations based on a thorough review
• Work with a range of insurers to find a suitable provider
• Monthly payment options are available
• Ensure policy meets local authority and CQC requirements
• Exceptional customer satisfaction rating by Feefo

FAQs