Residential and Nursing Care

Residential and Nursing Care

As an owner of a nursing or residential care home you will already know the importance of being properly insured. We have access to specific products to bring together a range of insurance covers necessary for the protection of your business.

In recent years, the care sector has experienced increased premium costs due, primarily, to burgeoning employer’s liability claims. Now, more than ever, it is vital that you obtain a second opinion on your insurance arrangements as new players in the market are able to demonstrate considerable cost savings.

We obtain cover which protects your business against all the major risks and liabilities to which your business is exposed.

Below is a summary of the covers we recommend for the care sector:

  • Loss or damage to trade contents and buildings
  • Damage to residents' effects
  • Business interruption
  • Breakage of glass and sanitary ware
  • Loss of money
  • Personal assault
  • Refrigerated stock
  • Goods in transit
  • Liability at law - to employees, residents and to the public
  • Treatment risk
  • Health and safety at work defence costs
  • Wrongful arrest
  • Loss of registration certificate
  • Fidelity guarantee
  • Personal accident
  • Breakdown and damage to computer equipment
  • Legal expenses
  • Special glass
  • Engineering insurance
  • Plus 24 hour telephone legal help line

Statutory Inspections

Any equipment used for lifting and lowering people and loads must be inspected at specified intervals, according to legislation. These inspections must be carried out by an independent and competent body. We can provide an inspection schedule to cater for all your items of statutory plant.


Mike Protheroe 01792 459 898 Click to email

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