Details and documents - Residential elderly care home insurance

Towergate Patrick has over 25 years' experience of providing insurance specifically for residential care homes for the elderly.

Because we understand that no two elderly persons’ care homes are the same, we are proud to offer you bespoke cover and service. We will thoroughly evaluate the requirements of your elderly persons’ care home and offer you a custom policy. Sensitivity, client care and quality service are the hallmarks of our insurance packages.

Key benefits

Not only will you benefit from statutory license protection, with us, your legal expenses will be covered and you will have access to our Registration Consultant, thereby giving you the opportunity to place greater emphasis on prevention. Early and frequent consultation is encouraged to stop disputes from either; developing in the first place or escalating to the extent that they pose a threat to your business. We also provide a free health and safety manual offering guidance on how to maintain best practices.

CybHR

As part of our legal expenses cover, you will receive, at no extra cost, a web-based human resources management tool - CybHR. This can be used to manage your human resources administration completely and keep you compliant. It includes customisable letter templates and can be used to store all your important documentation, including employee contracts and policy statements, in one place. In addition, the system delivers the latest news and a knowledge bank of HR-related legal topics. The less time you spend on administration and paperwork, the more time you will have to maximise the potential and independence of your residents.

Towergate Assist

As part of our standard cover, you will receive a full loss-recovery service, which includes a 24-hour/365 days-a-year helpline, for immediate advice and assistance.

When disaster strikes, a quick effective response can be vital to keep you in business. Large losses call for hands on assistance. Every year businesses witness devastating losses caused by flood, fire and malicious acts. These claims can be complex, and the Towergate Assist claims service provides clients with an independent loss adjuster to work for them. This ensures that the entire process is handled quickly, fairly and without necessary stress.

This service is only available for claims over £5,000.

Key policy features of our residential elderly care home insurance

• 24-hour legal advice line giving you access to care specific solicitors and barristers
• Abuse cover
• Legal liabilities, including malpractice
• Personal injury or assault during the course of the business
• Care home contents insurance, including residents’ effects
• Loss of earnings
• Book debts
• Loss of money and cheques
• Legal expenses insurance (administered by Abbey Legal Protection and underwritten by Brit Insurance Ltd)
• Towergate Assist - 24-hour claim helpline 

This is just an outline of the cover available. You can request further information including details of significant excesses, exclusions, limitations and conditions by contacting us.

Optional care home insurance cover

• Care home buildings insurance
• Employee dishonesty
• Inspection and breakdown for passenger lifts and plant
• Loss of your or your family’s personal belongings
• Personal accident (for you and all your staff)

For more information on residential elderly care home insurance please go to frequently asked questions, or contact us.