You are vulnerable to claims if you did not take reasonable precautions or you acted in a negligent manner with regard to safety.
Check your insurance in these key areas:
- Public liability : Your liability to the public
- Employer's Liability: Your liability to your employees
- Professional/Medical Liability: Care liability for malpractice or negligent treatment
- Business interruption: Disruption or closure due to unexpected events
Risk in making an insurance claim
- Your excess per claim might not make it worth making a claim
- Your premium may be increased next time
- Your insurer may decline to renew next time based on claims history
Note: Care Homes are increasingly seen as high risk and many insurers are looking for a reason to get out
