CHILDRENS CARE HOME INSURANCE  

If you own or manage a children’s care home, you will appreciate that the protection of this major asset will be critical to you. You will also be aware of the huge legal responsibilities you bear in relation to your staff, the children in your care and the onus of the various regulatory bodies you work with including local authorities, Ofsted and/or CQC for young adults who will investigate and pursue you if something goes wrong. 
 
Whether you operate a small childrens care home, or you are a larger group boasting many homes, Town & Country can help with your insurance arrangements. It is essential that the insurance cover you arrange is correct and provides you with the protection you expect. Standard policies or even some of the generic care home contracts don't always offer the extensions you will require as an operator of a Childrens home, or a home specialising in services to young adults. 
 
We offer specialist insurance advice and guidance for the childrens and young adults care sector to ensure your business is properly protected. We have access to Many specialist providers including Travellers and Markel. 
 
Town & Country are an independent brokerage with a very personal approach to our working practices. Our aim is to understand our client's insurance requirements taking into account the needs of the childrens care home insurance sector and we take the time to listen to you and deliver the right cover at the right price, in fact we are pretty well unique in the fact we offer to visit every client home prior to quoting to ensure we help arrange suited covers.  
 
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.  
 
 

CONTACT US  

 
Request a children's care home insurance quote today!  
Call us on 01769 572557 or leave your details below and we will call you back. 
 

CHILDREN'S CARE HOME INSURANCE INFORMATION  

 
Town & Country are one of the very few specialist children's care home insurance brokers. We have an excellent track record with insurers and care clients. 
 
The children's care and young adults home insurance market changes quickly. We keep on top of the market to ensure the best care home insurance rates and covers. Your business is our business and we want to make sure you are fully protected and not paying too much. 
 
In all circumstances, we look to arrange a meeting at your premises. We like to get to know our customers face to face. Meetings allow us to take photographs, obtain additional information that is tricky to gather over the phone and ultimately this leads to better rates from our children's care home insurance providers. If this isn't possible we can take your details over the phone and arrange cover this way. We are flexible and professional always. 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, in many past cases we can identify a significant delay between incident and a reported claim against indemnity. 
 
Personal injury claims are subject to the provisions of the Limitations Act 1980. This Act provides that claims for personal injury must be brought within three years of the event occurring. In the case of childhood sexual abuse claims, the three year period starts to run the day the child turns 18 years old. 
 
It is important to note that the court will consider claims on a case by case basis, especially in cases involving sexual abuse against a child. 
 
Abuse or neglect allegations can have devastating, long term consequences for both the victim and their families as well as the business itself. 
 
The Importance of Records 
As in any business staff move on and if a historical claim is presented how well would your business be able to defend itself against any allegation brought against it. The business can often only rely on records and notes taken at the time to defend itself and our insurers work closely with policyholders to ensure that they maintain robust record retention and investigate and retain information on circumstances as they arise. Our insurers will survey at inception and help businesses ensure that should an allegation be made you will have systems in place which retained records which can assist in the defence of any claim made. 
 
 
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