Insurance for Carers
At Higos, we understand that being a care provider is all about meeting individual needs. At the same time, we also understand that no two individuals are the same. So, you need an insurance solution that is every bit as unique as your organisation and the people in your care. For that, we offer specialist care providers’ insurance.
You take good care of your clients – we'll take good care of you.
The care provider insurance specialists
Our dedicated insurance team has over 20 years’ experience working with organisations who look after children and adults with a wide variety of needs. This includes learning disabilities, challenging behaviour, physical and mental health, and age-related needs.
This background enables us to offer you a completely bespoke service that begins with getting to know you and the nuances of the care you provide. We then use our industry experience and expertise to assess your risks and mitigate them with a programme that’s entirely tailored to your service.
As well as any savings we’d expect to identify, our aim is to provide you with the reassurance that only comes with a care providers’ insurance package that has been specifically built for you. This leaves you free to focus on running your care services and growing your business.
Our Care Team can also support you with:
Regulation Based Consultancy
If needed, we can include pre-inspection checks within our care home insurance packages to help your home prepare for Care Quality Commission in England (CQC) inspections. This can include a mock-inspection, report, and action plan.
Bespoke HR Solutions
Our cover gives you 24/7 access to the online Law Hub, with documents, contracts, fact sheets, and legal news designed and updated by lawyers for the care sector. Telephone advice is also available from qualified solicitors with experience in care, employment, and general commercial law, backed by legal expenses insurance.
Tailored care home insurance solutions
As well as providing for a diverse range of services within the care sector, our care providers’ insurance can be tailored specifically to meet the needs of modern care homes.
Our packages are specifically designed to cover all aspects of a care home’s operations, from liability and property damage to employee protection and resident care. Our experts will work closely with you to identify your needs before matching you with an appropriate policy.
This approach to care home insurance ensures you’re receiving comprehensive protection in all the right places, without paying for coverage you don’t need.
Public Liability Insurance for Carers
A key component of any care providers’ insurance policy is its public liability coverage. At Higos, we ensure that each of our insurance packages for carers is suitably tailored to protect against claims of injury or property damage made by clients, visitors, or members of the public.
Whether you operate a care home, run a domiciliary care service, or provide any alternative means of care, this enables you to mitigate the financial risks associated with potential lawsuits. Our public liability insurance for carers gives you peace of mind knowing that you and your business are protected against the unexpected.
Claims management when you need it most
Our exceptional care provider insurance doesn’t end there. Should the unexpected happen and you need to make a claim, our personal claims advisors will be on hand to help with any immediate assistance you need. Our aim is to get your claim settled quickly and smoothly, helping you to recover your losses. This means you can keep your care home or service running with the minimum of disruption.
