With Care & Nursing Homes, there is no ‘one cap fits all’ approach.
We understand that no two care home insurance policies are the same – we strive to offer you choice, and take the time to explain the differences in coverage, exclusions and warranties, so you can chose a premium that suits your business needs.
We are Chartered Insurance Brokers with detailed knowledge of the risks, exposures and challenges you face in your business.
Insurance is complex. You are expected to read and understand intricate policy wordings and conditions. We can help; we allocate an experienced personal account manager to manage your needs, understanding and options of cover available to you.
We will tender your risk to the insurance market and use our experience to negotiate the right cover for you. We also offer a range of risk management services including health & safety, business continuity, HR and safeguarding.
Unless you operate several homes, it is likely that the majority of your risks can be covered under a combined policy. There are specialist covers you will need to consider including Crime, D&O, Cyber, Employee Benefits, Motor Vehicles & Legal Expenses.
Abuse cover is an important risk to insure when you operate a care home. Wordings in the market vary considerably. BBi can review your safe guarding policies and these will help you get insurance to suit your needs.
Most covers contain medical malpractice exclusions. Nurses are no longer indemnity nurses that work in the private sector and while there is an element of treatment cover, this will not cover all activities of qualified medical professionals.
All organisations need to protect their assets and liabilities. Insurance provides a mechanism to transfer certain risks for an agreed premium.
But, there is no ‘one cap fits all’ approach.
BBi account managers visit and review most risks. After assessment and tender, we will provide our recommendations, usually offering various options, making sure you are in a position to make an informed choice.
Berns Brett get involved in all aspects of risk control to help you understand and manage the risks to your business.
£10,000,000 Limit of Indemnity as standard. Higher limits available.
Covers your legal liability to insure your employee's for death or injury sustained in the course of their employment.
£5,000,000 Limit of Indemnity as standard. Higher limits available.
Cover your legal cost and compensation awarded against your business if a third party is injured or their property suffers damage whilst at your business premises or when you are engaged in activity on their premises or site.
£5,000,000 Limit of Indemnity as standard. Higher limits available.
Provides cover for your liability if a product that you make or supply causes personal injury or damage to property.
BBi will offer you a range of cover options that includes:
Work with BBi to find the right cover for you.
As Chartered Insurance Brokers, BBi have the industry knowledge, insurance experience and ease of access to new & exciting markets.
You get a dedicated Account Manager, responsible for the management of your cover, giving you one point of contact for all your insurance requirements.
Unlike other providers, BBi employ a dedicated in-house claims team to manage all claims from notifications to settlement ensuring we look after your interests.
Independent & impartial long standing relationships. With extensive, up to date knowledge of the latest legislation and Health & Safety issues faced by your sector.
With our exclusive cover facility, where flexible payment methods are available, you can be sure the policy you receive is market leading & tailored for you.
Obtain coverage for the Liability of business, individual vehicle or motor fleet, personal accident, household cover and other exposures you or the business face.
