Care Insurance

Care insurance

Our care and welfare insurance is designed for organisations providing care services, including care for older people, assistance to live independently and out of school care and recreation.

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Care and welfare offers you the choice of selecting the sections of cover you want.

Key features

Insurance cover options include:

Public and products liability (including treatment malpractice)
Employer’s liability
Trustees’ and directors’ indemnity (for registered or recognised charities)
Personal accident
Reputational risks
Legal expenses
All risks

Money
Property damage (including contents belonging to residents and resident employees)
Business interruption (including loss of registration, as well as alternative accommodation for residents and resident employees)
Equipment breakdown
Fidelity guarantee

Goods in transit
Professional indemnity
Loss of licence
Motor-policy compensation
Cyber
Terrorism

We specialise in insuring the third sector and our products are designed especially for this niche. We do not shoe-horn charities onto products designed for other types of risks.
We are proud to be part of the Benefact Group – a charity owned, international family of specialist financial services companies, that gives all available profits to charity and good causes. We’re built on the idea that better business, can better lives.
Every three years we run our donation programme which invites applications from charities involved in promoting healthy lifestyles to children and young adults. Money is then donated to the winning three charities to help them run their specific programmes.

We pride ourselves on offering an excellent personal service and a fast and sympathetic response to claims.
Not only do we insure the third sector, we also have our own community hub, within our offices. This is a flexible space for local charities to meet, network and host their own events - for free. This is one small way we are giving back to the sector.

Care and welfare insurance FAQs

How long does the cover last?

Normally 12 months. We will send you a renewal notice approximately one month before the cover ends.

Is it possible to cancel the policy?

Yes, subject to certain terms and conditions, please see the care and welfare insurance brochure for more information.

Can Ansvar cancel the policy?

Yes, we have the right to cancel the policy by giving 14 days’ notice. If we cancel the policy we will refund the premium for the rest of the period of insurance.

How do I make a claim?

Call our 24-hour claims line on 0345 606 0431. See your policy documents and our claims page for more detailed guidance.