Insurance for Children's Residential Care Homes
Operating a children’s home is not just about managing a business; it is about fulfilling a critical role in society and ensuring the safety and wellbeing of vulnerable children. The challenges can be daunting in an ever-evolving landscape of regulations, responsibilities, and liabilities. The demands are multifaceted, from meeting the diverse needs of the children under your care to navigating complex risk scenarios.
At Gallagher, we recognise the unique nature of your operations and the importance of comprehensive insurance coverage. With years of experience specialising in tailored solutions for children’s homes, we understand the intricacies of this sector. Our expertise allows us to craft insurance arrangements that precisely match your organisation’s needs, whether you are a small home with just a few beds or a more extensive network spanning multiple locations across the UK.
Having Gallagher by your side lets you confidently navigate the complexities of care insurance, ensuring your organisation has adequate protection against the inherent risks of caring for vulnerable children.
What is children’s home insurance?
Children’s home insurance protects your facility, staff, and the children under your care. It covers various risks associated with running a children’s home, offering peace of mind.
What can be covered by children’s home insurance?
Our comprehensive children’s home insurance covers a range of aspects, including:
Building and contents: This policy protects your physical property, including buildings and their contents, against damage from various perils such as fire, theft, or natural disasters.
Public liability: This protects you in the event of a lawsuit by covering legal liabilities that arise from third-party bodily injury or property damage on your premises.
Employers’ liability: Provides coverage for claims made by employees who suffer injuries or illnesses due to their work, fulfilling your legal obligation as an employer to provide a safe working environment.
Abuse and molestation: Offers protection against claims of abuse or molestation by staff or volunteers, providing financial assistance for legal defence costs and potential settlements.
Treatment risk: Covers liabilities arising from providing medical or therapeutic treatments to residents, ensuring you are protected against claims of negligence or malpractice.
Residents’ personal effects: This policy protects residents’ personal belongings against loss or damage while in your care, offering peace of mind to residents and their families.
Book debts: This covers outstanding debts owed to your facility for services rendered, helping to mitigate financial losses due to unpaid fees.
Professional indemnity: This provides cover against potential lawsuits by protecting against professional negligence claims or errors in the services provided.
Inspection and breakdown cover — plant/passenger lifts: Provides coverage for the costs associated with inspecting and repairing essential equipment such as passenger lifts or plant machinery, ensuring minimal disruption to your operations in the event of breakdowns or failures.
These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.
Who is eligible to be covered by children’s residential care insurance?
Our children’s residential care insurance caters to various organisations, including:
- Care homes: Facilities providing residential care for children.
- Homes supporting children with additional needs: Catering to children with physical, emotional, or developmental challenges.
- Non-profit organisations and charities caring for children: Ensuring that organisations dedicated to supporting children are adequately protected.
Benefits of our children’s home insurance
Choosing Gallagher for your children’s home insurance comes with numerous benefits:
• Specialist recommendations: We recommend appropriate insurance providers tailored to your needs.
• Thorough review: We comprehensively review your current insurance arrangements to ensure they align with your requirements.
• Extensive experience: With 25 years’ of experience in the care sector, we understand your unique challenges and can provide tailored solutions.
• Feefo rating: Our exceptional customer satisfaction rating reflects our commitment to delivering high-quality service.
Get a quote
Ready to secure comprehensive insurance coverage for your children’s home? Contact us today to discuss your requirements and receive a personalised quote.
FAQs
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What do you need to get a children's home insurance quote?
To receive a tailored quote, we will need information about your facility, the number of children you care for, the number of staff, and any specific requirements you may have. -
How much does children's home insurance cost?
The cost varies depending on factors such as the size of your facility, the level of coverage needed, and your claims history. -
What is indemnity insurance for care homes?
Indemnity insurance for care homes provides protection against claims of negligence or errors in services provided to children under your care. -
What other covers are available?
Money and personal assault: This coverage insures cash held on the premises, at your home, in transit, or carried in person. It includes protection against assault and covering medical costs resulting from such incidents. Legal expenses: This covers your legal fees in a dispute with a resident, their family, or another third party. Business interruption: This cover helps to bridge the income shortfall if you cannot operate as usual for a specified period due to an unexpected insured event. Medical malpractice: Provides cover for your organisation if it becomes the subject of a compensation claim due to malpractice or unintentional injury. Personal accident: If you or a member of your staff suffers a serious injury while at work, occupational personal accident cover can provide compensation and help protect against loss of income. -
Who can be covered by children's home insurance?
Children's home insurance can cover all types of children's care homes. We can quote for residential homes that care for children with learning disabilities, physical or mental health difficulties, sensory loss, complex needs, or behavioural issues. We also provide cover for charities and non-profit organisations caring for children in a residential setting and for local authorities as part of our insurance offering for public services.
Please note that these Frequently Asked Questions are not a substitute for the policy wording.
