Blackfriars Group's Car Home Insurance is available in the UK

Blackfriars Group's Car Home Insurance is available in the United Kingdom.



In the United Kingdom, we offer care home business insurance estimates and coverage from our panel of specialist insurers and our own unique underwriting tools. We offer a highly competitive quote and cover service for care homes business insurance as business insurance brokers, with full quotations containing all premium and cover details to help you make an informed decision.



What kind of business insurance do nursing homes require?
The sorts of insurance you require will be determined by the structure of your company. For many, the commercial combination policy for care facilities provides a broad range of covers designed to provide coverage for a variety of events such as;


  • Material and Property Damage
  • Business Money Glass Breakage Business Interruption
  • Liabilities Added Together
  • All Risks in Business
  • In Transit Goods


Some policies are packaged, and they tend to provide excellent value with wide coverage at low rates, but others will provide a minimum level of coverage and you will be able to choose which areas of coverage you require under the policy. The most crucial business insurance protection for many care home enterprises is a suitable liability insurance policy, and we provide a rapid and extremely competitive estimate service for care home liability insurance needs.


Why is it necessary for care homes to have liability insurance?
Care homes, like other businesses, face the prospect of legal action being launched against them for their legal responsibility for personal injury or property damage that occurs during the course of their operations. Claims relating to these obligations can be costly to fight, and they can be far more costly if you are held legally liable. Your care homes liability insurance protects you against these losses by insuring you against awards made against you as well as the costs of defending any claim.


What kind of liability insurance does a care facility require?

There are generally two forms of liability insurance that need to be addressed for the majority of firms.

Public liability insurance protects you from lawsuits alleging that you are legally liable for third-party physical harm or property damage. Products liability insurance can be added to public liability insurance to protect you from claims originating from the sale or supply of a product.


Employers liability insurance protects you from lawsuits alleging that you are legally responsible for an employee's death, disease, or injury while they are on the job.
Businesses that provide professional services may need to consider professional indemnity insurance as part of their liability insurance plans.


Employers liability insurance protects you from lawsuits alleging that you are legally responsible for an employee's death, disease, or injury while they are on the job.
Businesses that provide professional services may need to consider professional indemnity insurance as part of their liability insurance plans.


Liability insurance for care homes quotes
Obtaining liability insurance quotes is now a very simple procedure; simply apply online or phone us directly to discuss your requirements with a broker, and you will have your quote in less than 5 minutes. The on-line service provides you with completely detailed quotations from a variety of insurers, with the cheapest option appearing first, and full documentation for each insurance is available on-line. If you like the quote, you can buy it right now and receive your coverage right away. If you require additional support, please contact a member of our staff, who would be happy to assist you.


What is the cost of liability insurance for care homes?

The cost of liability insurance for care facilities is determined by the risk information supplied by the underwriter, as is the case with any insurance. Liability insurance is less expensive these days than it has been in recent years, but unexpected circumstances such working in dangerous places, as well as the amount of people employed in the firm and if you have previously had claims filed against you, may effect the rate you pay.


What kind of liability insurance do nursing facilities require?

The greatest amount an insurer will pay out for a single claim, or in some situations, the maximum amount they will pay out in a year, is known as the limit of indemnity. This restriction is imposed on you depending on your requirements. The most common policy limits are £1 million, £2 million, £5 million, and £10 million, while various limitations are available for care establishments. When determining this limit, consider how much coverage you think you'll need, which may be determined by the type of work you do or, more typically these days, contractual restrictions such as requests for a particular limit from local authorities.


The statutory minimum for employers' liability insurance is £5 million, but in reality, policies are rarely provided with a maximum of less than £10 million; larger amounts are available upon request.

What is the amount of the excess on a liability insurance policy for care homes?

The policy excess is a sum of money that you are liable for for each and every claim that arises under your policy. Property damage claims are usually subject to a policy excess under public liability insurance, which is often £250 or £500. Under either the public or employers liability insurance policies, there is no policy excess for personal injury claims.



Additional coverage for nursing homes.
If you require additional insurance coverage, the business combined policy may be more suited to your needs. The commercial combined policy can provide you with a full range of business insurance covers, including property damage and business interruption, in addition to your liability insurance needs. If you're not sure what kind of insurance you need, give us a call and we'll go over the various business insurance options available to care facilities. Apply for care homes business liability insurance online or phone us to speak with a member of our business insurance team about your needs.

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