Homecare Insurance
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Homecare Insurance
For many years, Gallagher has been offering specialised insurance to businesses in the homecare industry, catering to a range of services from Nursing Homes to businesses providing carers respite services. We have a deep understanding of the level of care needed to not only look after clients but also effectively manage the complexities of running a business in this high-risk sector. Our homecare insurance is designed to help minimise your risks, allowing you to concentrate on providing top-quality care to those who depend on you on a daily basis.
Benefits of Choosing Gallagher
The global strength of Gallagher gives you access to more insurance markets
We provide cost-effective, client-centric, and expertise-driven risk management solutions
We will assign you a dedicated and qualified business advisor with local knowledge to look after your insurance needs
In the unfortunate event of a claim, our in-house Claims Team will work on your behalf
Since 1927, Gallagher has led with integrity, ethics and purpose — the building blocks of The Gallagher Way.
Personal Care Insurance
- Personal Car Insurance – Bathing / Dressing
- Nursing Car insurance (Level of activity to be agreed)
- Night Care Insurance
- Carers Respite Service Insurance
- Cleaning
- Cooking and Household tasks
- Shopping and laundry
Other covers that can be included in your home care insurance policy include:
- Money and personal assault: Insurance for cash held on the premises, in transit, carried in person, or at the home of a member of staff. Includes cover for assault, e.g., to cover medical costs.
- Book debts insurance: Covers the cost of reproducing accounting records and chasing debit balances that you are unable to collect because the records have been destroyed.
- Legal expenses: Designed to cover your legal costs in the event of a dispute with a resident, their family or another third party.
- Directors’ and Officers’ (D&O): Protects your key people legally as individuals, as they are personally responsible for the decisions made regarding the organisation.
- Business interruption: Cover to meet the shortfall of income for a set period of time if you cannot operate as usual due to an unexpected event.
- Personal accident: If you or a member of staff suffers a serious injury while at work, this cover can pay compensation and help protect against loss of income.
- Cyber liability: Designed to step in and cover the financial costs associated with a data breach or other cybersecurity incident.
- Inspection and breakdown cover: Cover for your machinery and plant such as passenger lifts.