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Care Homes |
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The Care Home industry is probably one of the most continually regulated and supervised professions in the UK today. We believe this to be correct as we should expect only the highest level of care for people who are amongst the most vulnerable in our society.
As a result we at Bonsure believe Care Homes offer insurers sound professionally run risks as they are required to meet the high standards stipulated by the Care Commission and Local Authorities.
In spite of these views there are relatively few insurers who are prepared to underwrite the general insurance risks associated with the operation of Care Homes.
Some years ago Bonsure decided to develop a specialist knowledge of your insurance requirements and after careful consideration selected Chartis Insurance UK Ltd to underwrite an insurance package, designed to meet the needs of Care Homes and comply with both the Care Commission and Local Authority requirements/legislation.
We felt Chartis Insurance UK Ltd to be the ideal carrier as their financial security is unquestioned-they are the world's largest insurer-and they already had considerable expertise in the insurance of government, local authorities and the health care sector. They agreed to work exclusively with Bonsure to develop business in this area and happily we now jointly handle the insurances of many Homes throughout the UK and Northern Ireland .
The protection provided is one of the widest currently available and includes some unique features that grants cover and benefits in excess of many of our competitors. One of the most innovative developments in the handling of liability incidents is included without charge. This provides:
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Rapid 24 hour 365 hour day reporting facility. This helps to satisfy your legal obligations to the Health & Safety Executive and other enforcing authorities and ensures employees who are injured or made ill at work benefit from early medical treatment and vocational support.
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Personal Accident benefits for employees and visitors to your premises. This, from experience, encourages the early notification of incidents and rapid cash payments can reduce costly liability claims.
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The serious accident response service assists in the event of a major incident at one of your Homes. A police, HSE, local authority or Care Commission investigation could impact on relationships with customers etc and experts are available to provide support and guidance in these areas.
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Professional Health & Safety advice and support, together with discounts on training courses etc.
These additional benefits/services will be of particular assistance in fulfilling the ever increasing Health & Safety legislation upon your business.
Engineering Risks
Competitive rates for the statutory inspection and insurance of lifts, hoists etc are available via HSB Engineering insurance Ltd.
Construction Risks
From experience we have found that many Care Home owners oversee construction projects for extensions to their properties and require Contract Works insurance to cover building works and associated liability risks. Again we have arranged a special facility for these risks.
Legal Expenses Protection
Numerous clients have benefited from our Legal Expenses protection insurance, whether for guidance in relation to contracts of employment and staff handbooks or for disciplinary/grievance procedures. The legal costs relating to employment disputes and compensation awards, together with tax investigations are an integral part of this protection.
Directors' & Officers' Liability
An increasing number of owners operate under a limited liability company and we have found that many are unaware that directors' personal liabilities are unlimited and are exposing themselves personally to lawsuits, investigations and criminal prosecutions. The cost involved in these together with any resultant fines etc can be immense and jeopardize individuals' homes and other personal assets.
Claims can arise from a wide number of sources including employees, customers, suppliers and government authorities.
Bonsure has negotiated an exclusive facility for clients whereby this important protection can be purchased at highly competitive rates.
Bonsure Insurance Brokers Ltd, authorised and regulated by the Financial Services Authority, was founded in 1994, by two insurance professionals who jointly have over 50 years in the industry, many with Lloyd's insurance brokers. We advise a broad spectrum of businesses throughout the company and have developed a client list envied by many of our competitors.
Unlike many large firms we take care to ensure we have a clear understanding of customer's needs and how they want these serviced.
Our strength is our staff who receive ongoing training to ensure they maintain up to minute knowledge of the insurance industry and are motivated to give a highly personalized service to clients.
For further information on our services please contact John Whitefield or David Brine on telephone 01322-281830
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