This is another important policy element given the legal of regulations and responsibilities you hold. Legal expenses can cover:

• Services occupancy issues
• Contract Disputes- relating to the sale, hire or purchase of goods.
• Defence against criminal prosecutions brought by the police, the Health & Safety Executive and/or Local Authority Health & Safety Enforcement Officer
• Bodily Injury to you and your employees’ legal rights
• Tax & VAT in respect of any enquiry by HMRC
• Statutory licence protection

Offers cover against discrimination, harassment, wrongful retaliation, and additional named violations

Which protects your buildings and your home’s contents cover one policy

Should you lose your registration, something that will mean the end of your care home business, loss of registration insurance will help cover the financial depreciation of the premises

Covers the personal belongings, valuables, and money belonging to your residents

Protects against claims such as if a staff member was to administer the wrong medication to a resident

If you advise your customers or provide a service and be required to advise on best practice, you should consider having professional indemnity insurance. Professional indemnity – P.I. insurance as it’s also known – will shield you financially should you be sued for losses by a customer for giving them poor or misleading advice

If something catastrophic happened to your business – such as a fire or flood – and your premises is forced to close for a while, could you cope? With no money coming in and bills needing to paying, would you be able to keep putting food on your table while not doing so for your customers? Business interruption cover provides you with an income while your business is out of action, providing much-needed peace of mind in a time of stress

Did you know that if the products you use, recommend, or sell cause problems, you can be liable for damages? Products are central to your business, and if something goes wrong, you can be liable for claims and compensation.  Should this happen to you, product liability insurance covers the costs of any compensation you are made to pay, together with the legal fees

This is a legal requirement if you employ people. It provides cover in the event of your employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you. Your policy must:

• Cover you for at least £5 million
• Be with an authorised insurer
• And employers must provide a safe working environment

Provides cover should a member of the public injure themselves or if their property is damaged while you are working.  It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example if they slip on the floor and decide to sue you, you’ll be covered.