Domiciliary Care Service Providers
Please contact our specialist Care team who will be delighted to assist with your enquiry.
The 'Welcare' scheme has been established for over 20 years and we continue to strive to provide insurance, and to articulate our knowledge of the risks within this sector, to best assist our brokers and their clients.
Considerations for brokers and their clients may include:
Our risk appetite includes:
- Abuse coverage can be limited, excluded, silent or express; it can be on a claims made or occurrence basis. The nature of cover and the potential impact should be established before proceding with any policy.
- The extent of ‘treatment’ or malpractice coverage varies within available policies. This typically relates to administration of pre-prescribed drugs, but can have importance outside of this.
- Any requirements following inspection by the CQC (England) (or CSIW (Wales), Care Commission (Scotland), RQIA (Northern Ireland)) should be completed or a commensurate action plan available
- The scope of Legal Expenses coverage varies greatly within care policies. As an 'anciliary' product to the core property and liability covers, this can have limited impact when selecting a policy, but it can prove very important to have bespoke care cover, for example Coroner's inquest costs protection.
- High staff retention levels can indicate a lower risk to Employers' liability claims
- Staff background checks must be undertaken
- Service user profiles and management thereof are critical to insurers appraisal of risk; the greater information you can provide, the more commensurate with actual risk the policy terms will be
- Financial position of proposer indicates ability to apply, and continue, high quality health and safety and risk management processes.
- Most service user profiles
- Minimum Premium £250 plus Insurance Premium Tax