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:

1. Public liability : Your liability to the public
2. Employer's Liability: Your liability to your employees
3. Professional/Medical Liability: Care liability for malpractice or negligent treatment
4. Business interruption: Disruption or closure due to unexpected events

Risk in making an insurance claim

1. Your excess per claim might not make it worth making a claim
2. Your premium may be increased next time
3. 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