Long term care is becoming an increasingly important area of social service, and the pressure on providers is growing in line with the demand for their services. Our policy has been designed with the very specific requirements of long term care providers – traditional liability cover is complemented by medical and legal insurance, recognizing the unique blend of exposures for care provision companies. Our modular policy can be tailored to the requirements of individual businesses and a selection of key features is listed below.
Professional Indemnity and Medical Malpractice
We recognize the complex contractual and legal landscape in which health professionals work. That’s why we provide cover for costs and expenses incurred in your defense in case you are accused of medical malpractice or of providing inadequate service to a client.
Sexual Misconduct & Physical Abuse Liability
In the event you are legally obliged to payment in relation to a claim made against you, we will cover all sums, including liability for claimants’ costs and expenses. This applies to allegations of sexual misconduct or physical abuse deemed to have occurred during the course of your business activities and during the period of the policy.
Almost every contract you sign includes warranties and indemnities in relation to a breach of confidentiality, from merchant service agreements through to non-disclosure agreements. Understanding this major source of liability, our policy is careful not to include a contractual liability exclusion.
Public liability is absolutely key to any business in their dealings with clients and members of the public. Our cover protects you against legal expenses and compensation claims by external individuals and it integral to your operations.
A more traditional cover but absolutely essential for anyone employing staff to assist with their business operations. It protects against the cost of claims arising from employee illness or injury as a result of their work for you.
We recognize that property insurance needs to be comprehensive in order to cover the wide range of equipment used by LTC professionals as well as the diverse workspaces within which care is provided. Our policy includes cover for damages to premises, contents located in the workplace as well as at employees’ homes, cost of reconstituting data required for business and much more.
Business Interruption Cover
It’s not always possible to foresee where the next business interruption comes from, so our innovative cover is offered on a “flexible first loss” basis, which means whatever type of business interruption loss is suffered, only one sum insured needs to be purchased – and consequently you pay a lower premium.
Loss Mitigation Costs
We provide cover for existing litigation or for imminent litigation, meaning you are covered for financial losses which have or are likely to exceed the limits of other policies in place, up to a defined limit.
Court Attendance Costs
Court attendance costs can rack up quite a bill, so we cover costs incurred by attending court in relation to a claims or loss case as covered by this policy.
Reputation and Brand Protection Cover
We will look to pay costs and expenses of up to a specified sub-limit for the services of a public relations consultancy to mitigate damage to reputation and brand following a defamation case or lawsuit.
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