Children's Care Home Insurance 

Insurance For Children’s Care Homes

Whether you care for children with learning disabilities, physical difficulties, or complex needs, Children’s Care Home Insurance protects you and your service users properly. Owners and managers are not only trying to run a business, they’re providing an essential service for the residents. That’s why it’s important to make sure you are fully covered in case of a claim, so you can focus on what you do best: providing a lifestyle the children have a right to enjoy.

Why do Children’s Care Homes need Insurance?

Regulators such as Ofsted usually require proof of adequate Public Liability cover before they can grant registration. If you have an inspection, they may ask to see your insurance policies or ask to see risk management processes. Further, if you have any employees, you are required by law to have Employers’ Liability insurance.

What’s Covers are normally Included For Children’s Care Homes?

  • Public liability insurance: Public liability insurance provides financial protection if a resident, visitor, member of the public or another third party is injured or their property is damaged and your care home is held legally responsible.
    It can cover compensation and legal expenses arising from a liability claim.
  • Employers liability insurance: Employers’ liability insurance protects care home businesses if an employee suffers physical or psychological injury or illness because of their work. The policy can cover compensation claims and associated legal costs.
  • Abuse and molestation insurance for care homes: Abuse and molestation cover provides financial protection for care home organisations facing an actual or alleged abuse claim involving a resident. This specialist insurance can help protect against the financial consequences of allegations or incidents of abuse.
  • Care home treatment risk insurance: Treatment risk insurance provides protection where a resident suffers an injury, illness or adverse reaction because of treatment administered by your care home or its staff.
    The cover is designed to help protect against resulting liability claims.
  • Residents’ personal belongings and contents insurance: Residents’ personal belongings insurance covers the personal possessions and contents belonging to people living in the care home.It can provide protection against loss or damage in a similar way to a standard home contents insurance policy, helping to protect residents’ belongings while they are in your care.
  • Care home buildings: Buildings insurance protects against damage to the property caused by insured risks such as fire, flood and other specified risks. It can cover the cost of repairing or reinstating the building.
  • Care home contents insurance: provides cover for furniture, equipment and other contents that may get lost or damaged.

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Who is Covered by Children’s Care Home Insurance?

If you own or run a home that specifically caters to children, you can take out Children’s Care Home Insurance. This can also include charities and nonprofits, therapeutic care homes, and residential education settings.

Why Choose Konsileo for your Children’s Home Care Insurance

Here at Konsileo, we have access to unique products specifically designed for children’s care homes. Our specialist team of brokers have decades of experience in the sector between them, so understand the complexities, pitfalls, and hidden risks that come with running a care home.

Our access to a multitude of markets also means we can tailor the policy to your unique needs.

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