care insurance risk appetite guide
A wide range of care sector businesses can be covered
Ecclesiastical offers solutions to a very wide range of care sector businesses in such diverse areas as:
supported living - flexible tailored support and care services to enable vulnerable people to live as independent a life as possible
extra care - specially designed housing and a 24/7 support service providing an alternative to a traditional residential care home environment
adult placement – short or long-term placement arrangements of vulnerable adults in a family home setting, and
of course, ‘care’ continues to include facilities such as children’s homes, hospices, private hospitals, clinics and ‘half-way’ houses for recovering alcohol and substance abusers.
The following outlines the types of sector risks that we are looking to write.
PD = Property Damage
BI = Business Interruption
PL = Public Liability
EL = Employer's Liability
| Category | PD | BI | PL | EL | Comments |
|---|---|---|---|---|---|
|
Care Homes providing personal care (including adult placement homes) for: |
|||||
|
Old age and dementia
|
a |
a |
a |
a |
|
|
Mental disorder/mental illness
|
a |
a |
a |
a |
|
|
Learning disability
|
a |
a |
a |
a |
|
|
Physical disability
|
a |
a |
a |
a |
|
|
Sensory impairment
|
a |
a |
a |
a |
|
|
Drug and alcohol (post treatment)
|
a |
a |
a |
a |
|
| Care Homes providing personal care with nursing for: | |||||
|
Old age and dementia
|
a |
a |
a |
a |
|
|
Learning disability
|
a |
a |
a |
a |
|
|
Physical disability
|
a |
a |
a |
a |
|
|
Convalescent homes
|
a |
a |
a |
a |
|
|
Hospices
|
a |
a |
a |
a |
|
| Supported Living for: | |||||
|
Old age and dementia
|
a |
a |
a |
a |
|
|
Mental disorder/mental illness
|
a |
a |
a |
a |
|
|
Learning disability
|
a |
a |
a |
a |
|
|
Physical disability
|
a |
a |
a |
a |
|
|
Sensory impairment
|
a |
a |
a |
a |
|
|
Drug and alcohol (post treatment)
|
a |
a |
a |
a |
|
|
Extra Care
|
a |
a |
a |
a |
|
|
Domiciliary Care
|
a |
a |
a |
a |
|
|
Children's Homes
|
a |
a |
a |
a |
|
| Foster Agencies |
a |
a |
a |
a |
Special considerations do apply to homes for child sex abusers and arsonists |
|
Hostels |
a |
a |
a |
a |
Excluding bail hostels and uncontrolled/unsupervised hostels, sex abusers and arsonists |
|
Hospitals/clinics |
a |
a |
a |
a |
Excluding PI risks
|
| Detention centres/secure units/secure accommodation |
r |
r |
r |
r |
|
| Clinics specialising in treatment of sex abusers |
r |
r |
r |
r |
