Who we cover

So, who do we insure? Quite simply, if you’re in the business of care services for adults and children, we will consider you. But, to be specific, that includes services for:

N

Learning disabilities

N

Physical disabilities

N

Mental health (not secure unit)

N

Dementia and Alzheimer’s

N

Autism

N

Drug and alcohol rehabilitation

N

Rehabilitation from injury

N

Children’s homes

N

Care and day centers

N

Supported/ assisted living

N

Respite care providers

What we cover

What do we insure care organisations for?

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Public Liability

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Products Liability

N

Professional Liability and Medical Malpractice

N

Employers’ Liability

N

Property Damage

N

Business interruption

N

Personal effects and clothing of service users

N

Loss of money

N

Personal assault

N

Goods in transit

N

All risks to business equipment

N

Book debts

N

Chilled stock deterioration following refrigeration breakdown

N

Legal expenses

N

Employment disputes (including restrictive covenants)

N

Tax disputes

N

Property

N

Legal defense

N

Compliance and regulation

N

Statutory registration appeals

N

Loss of earnings

N

Personal injury

N

Executive suite

N

Contract and debt recovery

N

Crisis communication

Claims

The trouble with insurance is no one knows how good their policy is until they make a claim. That’s why we offer a responsive claims service that has only one purpose; to get a claim resolved as quickly as possible, so our clients can get on with what they do best. It’s simple to say but we know it’s critical that we do what we say.

As part of our claims service, we also offer specialist loss adjusters to help get policyholders up and running as soon as possible. We have chosen claim management experts to administer a claim from the moment its reported offering our policyholders and Insurers an independent and impartial perspective within the claims process. This means they can objectively conclude whether the insurance company is liable to cover the cost of damage, and for how much, as well as supporting the policyholder to aim for a smooth and frustration free claim process.

The Liability Network

An independent loss adjusting firm providing a range of specialist claims investigation and claims handling services on a nationwide basis, established in 2002, with a highly accomplished team of liability claim experts. They support the claims process with the swift gathering of facts and evidence, in accordance with the various pre-action protocols. Whilst recognising there is always a need to handle cases sensitively in the care sector.

Gallagher Bassett Technical

Have provided market leading claims handling services for over 59 years with deep expertise in property claims with highly skilled dedicated technical teams. Claims go through an intelligent triage stage ensuring the right people and best solutions are applied. Policyholders receive 24/7 response, UK wide property repair network, advanced onsite loss adjusting, focused on a quick resolution and timely claim settlement.

As part of our claims service, we also offer specialist loss adjusters to help get policyholders up and running as soon as possible. We have chosen claim management experts to administer a claim from the moment its reported offering our policyholders and Insurers an independent and impartial perspective within the claims process.

This means they can objectively conclude whether the insurance company is liable to cover the cost of damage, and for how much, as well as supporting the policyholder to aim for a smooth and frustration free claim process.

The Liability Network

An independent loss adjusting firm providing a range of specialist claims investigation and claims handling services on a nationwide basis, established in 2002, with a highly accomplished team of liability claim experts. They support the claims process with the swift gathering of facts and evidence, in accordance with the various pre-action protocols. Whilst recognising there is always a need to handle cases sensitively in the care sector.

Gallagher Bassett Technical

Have provided market leading claims handling services for over 59 years with deep expertise in property claims with highly skilled dedicated technical teams. Claims go through an intelligent triage stage ensuring the right people and best solutions are applied. Policyholders receive 24/7 response, UK wide property repair network, advanced onsite loss adjusting, focused on a quick resolution and timely claim settlement.

Nivante is the trading name of Eminence Risk Services Limited which is an appointed representative of Davies MGA Services Limited, a company authorised and regulated by the Financial Conduct Authority under firm reference number 597301 to carry on insurance distribution activities. Eminence Risk Services Limited is registered in England and Wales company number 13056384. Registered office at Brierly Place, New London Road, Chelmsford, Essex, England, CM2 0AP.

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