When it comes to operating a children’s care home, you aren’t just managing a business, you’re also providing an incredibly valuable and critical role in society, helping to protect the most vulnerable community by ensuring the safety and wellbeing of children. This high-risk role can be incredibly challenging and involves navigating some complex scenarios, which is why it is incredibly important that you have a suitable children’s care home insurance policy in place.
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What is children’s care home insurance?
What is children’s home insurance? This is a type of insurance that is specially designed to provide residential care coverage for children. It protects your facility, your staff and the children who are under your care. Giving you peace of mind when it comes to navigating the risk factors involved with the work and ensuring your business does not find itself at a financial loss in the event of liabilities, damages or injuries arising.
Why is children’s care home insurance important?
Long-term care insurance for children is an incredibly importance insurance policy because it is specially designed for business providing care to children. What can be covered by children’s home insurance?This comprehensive cover protects you in a variety of ways.
Building and contents insurance: the policy is designed to protect your property and contents from vandalism and damage from unforeseen circumstances such as fire, flood and extreme weather. The policy will help you to repair or replace you property or belongings, ensuring you do not face a financial loss an your business can return to normal as quickly as possible.
Public liability: the policy protects you from any lawsuits that arise if a third party suffers injuries or property damage as a result of your business.
Employers liability: it also covers you for any claims made by your employers who suffer injuries or illnesses due to their work, protecting you from financial loss due to legal fees and compensation.
Professional indemnity: what is indemnity insurance? This protects your business from any claims made against you for professional negligence.
This kind of comprehensive children’s care home plans also covers you for claims of abuse or molestation by staff or volunteer workers, liabilities arising from treatments you provide, protects the residents belongings from loss or theft, covers you for inspection and breakdown costs and will even cover any debts that are owed to your facility for services rendered. Helping to give you peace of mind and cover the unique needs of children’s residential care facilities.
Types of services and facilities covered
Who can be covered by children’s home insurance? This kind of paediatric care home insurance is ideal for:
- Care homes providing secure care home services for children
- Homes supporting children with additional needs
- Non-profit organisations and charities that provide care to children
Benefits of Children's Care Home Insurance:
With our specialised children’s care insurance you get complete cover for any financial losses you could face due to liabilities, injuries, damages and loss of property or contents. This provides you with a peace of mind that you will not face a financial loss that could negatively impact on your business, allowing you financial security and access to specialised care.
Who Should Consider This Insurance?
This type of insurance is essential for children’s care homes. Therefore anybody in a position of decision-making, such as care home owners and care home administrators should make sure their organisation has an insurance policy in place that will cover them fully in any eventuality.
How to Get Started:
If you would like more information, or would like to apply for children’s care home insurance, you should contact us now. Our friendly advisors will answer any questions you have and provide you with a free, no-obligation, personalised quote that is tailored for your business. Our expert team will take the time to learn about your business and recommend the most suitable level of cover and services for your business. For a free quote, contact us by sending us a message through our online contact form, or calling us on 0121 679 7265.
Children’s Care Home Insurance FAQs:
- How much does children's home insurance cost?
- What is the minimum cover I need?
- Do I need liability insurance?
- When do I need to get children’s care home insurance?
How much this insurance costs will largely depend on your risk factors, what level of insurance you have and how you choose to pay it. Smaller levels of cover will obviously cost less, however, you won’t have as much coverage.
The level of cover you require will depend on various risk factors. To find the most suitable level of cover for you, you should get in touch with a reputable insurance company. They can understand your business and help you to determine a level of cover that provides you with full protection.
Yes, by law you need to have employer’s liability insurance (under the Employers Liability (Compulsory Insurance) Act) if you employ staff. Other types of liability insurance are not a legal requirement but are strongly recommended.
You should make sure your insurance begins on the day you begin your business.
For a free personalised, no-obligation quote, contact one of our friendly advisors on 0121 679 7265 or send us a message through our online contact form. Our expert team are available to answer any questions you have and help you find the best insurance policy for your needs.
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