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Our population is getting older. That is a fact. What is also a sad but true fact is that, in a lot of cases, the elderly will not be able to live at home forever, but instead will live out their final days in a care home.

This is not a commentary on social trends, just an understanding that the need for care homes to exist will continue to increase.

Insuring nursing and care homes has, for many years, been very challenging and expensive - simply because so few insurance companies were willing to insure them. This was for a variety of reasons, but primarily, because care and nursing home insurance requires specialist underwriting expertise and not all insurers have the capacity or willingness to invest in this niche area.

Prizm Solutions Ltd is definitely able to help nursing and care homes with insurance, being one of the few independent insurance brokers that deals with all the major insurance companies which are willing to insure these types of businesses.

Not only that, but our own staff have a first hand understanding of the risks associated with nursing and care homes, such as Property Damage, Employers Liability and Public Liability, Treatment Liability Cover, Cyber Insurance, Management Liability – including Directors and Officers (D&O) and Corporate Legal Liability, Residents’ Personal Belongings, Breach of Professional Duty and Group Personal Accident Cover (which provides financial protection for employees and key personnel which is really important, but often overlooked).

A quotation won’t cost you anything, so why not get in touch with us now?  We only deal with insurers with an ‘A’ solvency rating so at least they (shouldn’t) go bust instead of paying your claim!

Just click here to contact us and speak to one of our friendly team.