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Stephensons Risk Management are the approved insurance providers for LCA members. This enables members to benefit from our bespoke scheme with enhanced covers for your care home business.

A generic business insurance policy is unlikely to provide your care home business with the vital protection it needs against the specific risks of the care industry, leaving your business, staff and service users at risk.

We would recommend that you take out a bespoke care home insurance, built to cover your business’s needs, with an insurer that knows and understands the risks involved with a care home business.

At Stephensons Risk Management we understand that every business has a unique set of insurance needs.  You want to know you have the right cover in place to protect your business.  You will be appointed a personal advisor who will handle all your insurance queries and manage all your insurance needs moving forward.  Your advisor will come out and get to know your business, allowing them to build an insurance policy that meets your insurance needs and ensures your business is protected, should the unexpected occur and you find yourself faced with a claim situation.

What can a Care Home policy incorporate:
  • Public Liability- We can offer £10m limit of indemnity as standard
  • Employers Liability Insurance
  • Medical Malpractice Insurance
  • Infectious Disease Cover
  • Professional Indemnity Insurance
  • Abuse Cover
  • Buildings, Contents & Tenants Improvements Insurance
  • Residents Effects Insurance
  • Terrorism Cover
  • Business Interruption Insurance
  • Goods in Transit Cover
  • Loss of Registration
  • Directors & Officers Liability
  • Employers Practices Liability
  • Legal Expenses Cover
  • Personal Accident Cover

To ensure your insurances run smoothly we provide you with dedicated claims support and risk management advice.

In addition to this you will have access to a 24 hour care specific legal helpline which will provide advice on care regulation and employee related issues as well as general business legal advice and cover in the event of an employment tribunal.

Our proactive approach to risk management and claims will allow you to focus on your business instead of worrying about the complex and time consuming insurance processes that occur during the course of your policy term.

Contact us today to arrange a meeting so that we can assess the insurance needs of your care home business.

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