The Care Home Insurance Scheme gives you the option to include the following:

• Buildings
• Supply Care Manager*
• Loss of Registration Certificate
• Inspection & Breakdown
• Domiciliary Care
• Staff Honesty
• Consultancy Service*
• Discounted Cost Staff Training*
• Discounted Purchasing Service*

*Non-insurance product

Buildings

Key benefits automatically included:

• All Risks cover including accidental damage, subsidence, landslip and heave.
• Accidental damage to underground service pipes and cables.
• "New for Old" claims settlement.

Other benefits automatically included:

• Built-in inflation protection through index-linking.
• Definition includes conservatories, outbuildings, swimming pools, walls,
  gates and fences.

Supply Care Manager

Provides cash payments to help fund for a Supply Care Manager following accidental death or injury to you and/or your Care Manager at any time, worldwide.

For illustration purposes Benefits as follows:

Benefits

Death or permanent total disablement - £20,000

Loss of one or more limbs or eyes - £20,000

Temporary total disablement payable up to 104 weeks - £200 per week

Temporary partial disablement payable up to 104 weeks - £50 per week

Loss of Registration Certificate

Covers the reduction in value of your interest in the business following loss of the registration certificate from causes beyond your control. We cannot provide indemnity where the certificate is lost due to any cause within your control.

Inspection and Breakdown

We can provide the Inspection service to meet your legal obligations by providing independent and impartial assessment of plant such as passenger lifts, stairlifts, hoists and heating systems.

It is important that the person who performs routine maintenance to lifting equipment does not carry out the examination as they are then responsible for assessing their own work.

The policy also extends to meet your costs and expenses following the breakdown of plant.

Domiciliary Care

We can provide liability cover if you carry out domiciliary care to comply with any contract you have entered into with a Local Authority or Health Authority.

Staff Honesty

Protection is available for loss of money or goods following fraud by staff up to an agreed limit.

Consultancy Service

We have retained the services of PENINSULA BUSINESS SERVICES the UK's leading Personnel, Employment Law and Health and Safety Consultants. They provide a wide range of technical services including audits up to full Health and Safety policy documentation and Personnel and Employment documentation. If you would like to know more about the services, call us and we will put you in touch with one of our specialists.

Discounted Cost of Staff Training

We have retained the services of CONIFERS TRAINING ASSOCIATES one of the UK's leading training groups. They are available to provide a wide range of specialist services including on-site Health and Safety training and the advice and preparation of training programmes leading to NVQ Standard in Care.

Discounted Purchasing Service

We have appointed CASTLE PURCHASING to negotiate the best prices on behalf of our care home clients on a wide range of products including milk; groceries; frozen food; fresh meat; fresh fruit and vegetables and cleaning and decorating materials. We expect you to achieve cost savings of between 5 to 40 per cent.