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Tailored Insurance Solutions for Property Owners and Lessees

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Insurance Solutions for Surgeries, Care Homes and Nurseries

Cover for surgery’s and Care homes is ranges from a simple policy upto care provision covers – It all depends on the complexity of the operation that you run. Here at API we could have a solution for you at competitive prices. (See FAQs)

What to look for

  • Sums Insured
    Always ensure that your sums insured are accurate especially for buildings, stock and if applicable Tenants Improvements – Insurers operate a clause called “average” this clause will kick in if your sums insured are not adequate – Insurers are at liberty to deduct the % that you are under-insured from any settlement. For example if you get cover for £100k and it should be £200k and you claims for £50k then you will only get £25k.
  • All Risks
    Always check that your policy provides cover for loss or damage on an All Risk Basis – There are policies available that will only cover certain perils – If you find yourself without all risk cover you could see your claim repudiated
  • Business Interruption Covers
    Does your current policy provide – loss of profits, loss or rent and increased cost of working
  • Domiciled Carers
    Do your nurses/carers make visits to clients in their own homes – If so you’ll need a domicile care extensions to your covers.

What Covers you may need – Surgeries

  • Employers Liability – Provides cover against your legal liability in the event of injury or illness to staff members as a result of your negligence
  • Public Liability – Provides cover against your legal liability in the event of injury or illness to members of the public or visitors to your site as result of your own negligence
  • Material Damage – These covers refer to damage or loss of property – for example buildings, contents, tenant’s improvements.
  • Business Interruption – In the event that your premises cannot be operated from provides indemnity against loss of profits and any additional costs incurred
  • Legal Expenses – Covers the cost of legal expenses if someone sues

Covers you may Need – Care Homes

  • Employers Liability – Provides cover against your legal liability in the event of injury or illness to staff members as a result of your negligence (often you may be required to have a higher limit for government work)
  • Public Liability – Provides cover against your legal liability in the event of injury or illness to members of the public or visitors to your site as result of your own negligence (Often you may be required to  have a higher limit)
  • Material Damage – These covers refer to damage or loss of property – for example buildings, contents, tenant’s improvements.
  • Business Interruption – In the event that your premises cannot be operated from provides indemnity against loss of profits and any additional costs incurred
  • Legal Expenses – Covers the cost of legal expenses if someone sues
  • Medical Malpractice Cover – Covers against staff administering the incorrect medicine

FAQs – Surgeries

  • What is Surgery Insurance? – It’s an insurance designed to specifically cover the needs of the management of a surgery whether you’re a Doctor, dentist or chiropractor – The main covers would be for premises, staff, equipment and customers.
  • What covers should I look for;
    • Employers Liabiltiy
    • Public Liability
    • Buildings (If property is owned, however some leases request that buildings Insurance is required)
    • Contents (Standard)
    • Specialist equipment Covers
    • Business Interruption
    • Commercial Legal Expenses
  • What covers would the medical practitioners need? – Medical Malpractice covers would be needed for giving medical advice and the prescription of medicines

FAQs for Care Homes

  • What is Insurance for Care Homes – There are Insurers out there who specialise in Insurance for care homes – These policies are designed to provide cover and peace of mind for the owners or operators of Care homes
  • What covers does a Care home need –
    • Employers Liability
    • Public Liability (With Abuse, Molestation and assault extention)
    • Buildings
    • Contents (Standard)
    • Contents (Staff & Patients)
    • Contents (Specialist equipment)
    • Business interruption including Infectious Disease cover
    • Commercial Legal expenses
    • Personal Accident
    • Medical Malpractice
  • What If there is a serious outbreak of an infectious human disease? – Under the business interruption covers there would be an extension to provide cover in the event of an outbreak – This would cover all infectious diseases including MRSA, Influenza please note that cover is not restricted to notifiable diseases
  • Would we be able to increase our liability cover if we are awarded a local authority contract? – Absolutely, all the Insurers active in this sector offer the facility to increase the public liability to £10million.

FAQs For Nurseries

  • What is Insurance for Nurseries and pre-school? – There are Insurers out there who specialise in Insurance for nurseries and Pre-schools – These policies are designed to provide cover and peace of mind for the owners or operators of Nurseries and pre-school
  • What sort of covers would I need on my policy?
    • Employers Liability
    • Public & Products Liability (With abuse and molestation extension)
    • Business Interruption
    • Buildings (If applicable)
    • Contents – Standard
    • Contents – Outdoor playground equipment
    • Personal Accident
    • Fidelity Guarantee (Employee Dishonesty)
    • Legal Expenses Insurance
    • Loss of registration

Optional Covers

  • Professional Indemnity
  • Directors and Officers

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