Social welfare

Social welfare insurance is specialist insurance for the particular kinds of risks associated with the care and support of young, elderly and disadvantaged people.

Social welfare is one of the UK’s biggest growth sectors. The special risks faced by these organisations require specialist insurance cover and bespoke policies. Cover will be required for:

• General liability
• Professional liability
• Management liability
• Employer‘s liability
• Personal accident
• Employment law protection
• Property damage
• Business interruption
• Money and personal assault
• Property in transit
• Loss of registration
• Employee dishonesty

Particular areas of concern include abuse, breach of professional duty, medical malpractice and the use of volunteers. Private, public and not-for-profit organisations which provide this type of specialist care require particular cover.

The types of organisations that might require this cover include care and day centres, activity centres, children’s homes, adult placements/assisted living, care homes for the elderly, community centres, foster care, hospices, nurseries, playgroups and after school clubs, rehabilitation and halfway houses, respite care providers, shelters and refuges, youth centres and counselling and therapy services.

Talk to Eamonn O’Mahony on 01494 733352