Care Home Insurance Quotes 

Are you looking for insurance for your Care Home? The Care Home Insurance market has changed beyond recognition over the last few years. Many insurers have offered terms only to withdraw from the market the following year. We specialise in insurance for the Care Sector and understand the risks your business are exposed to as well as the markets we are able to place your business with. Its really important to speak with a specialist broker for this type of insurance, an off the shelf product isn't suitable. 
 
We can help you find a policy with the covers you require. We specialist in care home insurance, our staff our industry qualified and trained in house to provide you with the best levels of advice and service when deciding on your care insurance. We can offer policies for domiciliary care, care homes & nursing homes including personal care, see our list below for further details. Regardless of the size of your facility we can insure you appropriately and competitively from our panel of insurers. We take the leg work out of care home insurance and obtain quotations from the market and due to our specialism in the care industry we are also able to negotiate preferential rates on your behalf. 
 
We will obtain quotations on your behalf, deal with mid term adjustments quickly and efficiently and will search the market at renewal to make sure you have the most competitive premium based on your individual business requirements. In addition we are on hand to help you resolve any complaints and deal with any claims swiftly and with the best available outcome. 
 
Town & Country are a national brokerage remaining local in our working practices. Our aim is to understand our clients insurance requirements taking into account the needs of the sector and we take the time to listen to you and deliver the right cover at the right price. 
 
We are confident that you will be happy with the level of service as well as the cover and premiums that become available to you. 
 
For a free no obligation quote simply provide your contact details below or give us a call now on (01769) 572557 and talk to one of our specialist advisers. 

Insurance Quote Details 

We Have Provided Cover For . . . 

Residential Homes 
Nursing Homes 
Hospices 
Learning Disabilities 
Physical Disability 
Alcohol & Drug Rehabilitation 
Dementia 
Mental Health 
Supported Living 
Retirement Villages 
Domiciliary Care 
Sensory Impairment 

Care Home Insurance Information 

Town & Country has insured care homes for many years and consider ourselves to be one of the very few specialist care home insurance brokers. We have excellent relationships with insurers and we will often be able to negotiate rates where other lesser experienced brokers would achieve a 'no quote' 
 
Town & Country works with many insurers, we have an excellent working relationship with a major UK name and branded insurer and can achieve rates and cover levels with this insurer that our colleagues in the industry find it difficult to replicate. 
 
Town & Country don't expect you, our client to know the pitfalls and intimacies of insurances and we consider it our place to undertake that role on your behalf, acting almost like a member of your own staff, that is why we offer to travel and meet each and every one of our clients. Each risk is presented to the underwriters with full colour pictures of what we are asking them to quote and cover. 
 
Our offer to see every client we think, is unique in the current market. 
 
Summary of the covers available 
The policy provides comprehensive insurance cover for the insurable risks faced by care providers. 
 
Buildings, contents and business interruption 
Buildings are insured on a reinstatement basis. Contents are insured on the basis of replacement as new (except for stock in trade). 
 
Standard cover can include: 
Contents 
Goods in Transit 
Loss of Fees 
Alternative Accommodation 
Glass 
Deterioration of Frozen and Refrigerated Food 
Failure of Electricity, Gas & Water 
Loss of Book Debts 
Loss of Money with Assault Extension 
Employer's Liability 
Public/Products Liability 
Malpractice/Treatment Risk 
Abuse Cover 
24 hr Emergency Claims Helpline 
24 hr Legal Helpline 
Legal Expenses 
 
Optional cover can include: 
Buildings (Reinstatement) 
Loss of Registration Certificate 
 
Case Studies 
Case Studies are an always important tool, and valuable for gaining a 
more in depth understanding. The studies below show detailed examples of claims and our resolutions. 
 
Notification of Claims 
Recently we have had a number of claims reported to us only after a legal claim has been made against the home, rather than at the time of the incident. Insurers' first question then is 'why was the claim reported late and what evidence is now available to mount a reasonable defence?' 
 
An Employers Liability Claim 
Care homeowner 'A' had an employee who decided a resident needed to be lifted from their bed without the aid of a hoist. She had been specifically trained not to lift residents without the aid of a hoist and had been trained in the use of the hoist to prevent dangerous situations. The resident slipped from the carer's grasp and the carer suffered a lifting related injury. 
 
Investigate Your Property 
With increasing local temperatures, the frequency of subsidence claims are on an upward trend. Investigate your property regularly. 
 
The Importance of Staff Records 
One client recently received a notification of a potential employers' liability claim arising from an assault by a resident in 1998. The employee did not believe that she had suffered any long term injury following the assault, but has since experienced continual pain behind her eyes and this has been attributed to the assault. 
 
Town & Country works with many insurers, we have excellent working relationships with all our markets and can achieve rates and cover levels our colleagues in the industry find it difficult to replicate. 
 
We would welcome the opportunity to provide you with an insurance quotation when required, we are confident that you will be happy with the level of service as well as the cover and premiums that become available to you. 
Care Home insurance quotes