INSURANCE FOR BUSINESS | INDUSTRY SECTORS

Health, Social Care & Community Services

As part of the Ardonagh Advisory broking platform, we have access to many schemes and facilities that offer bespoke cover for charities and not for profit organisations. We deal with a broad range of clients in this sector ranging from nurseries to hospices.

Ready to start your experience with us? Contact us

Why Choose Us?

Bespoke Cover

Specialists arranging cover bespoke to your organisation and as individual as you.

Dedicated Claims Assistance

Benefit from your own professional and experienced claims advocate.

Charitable Donations

Committed to not-for-profit, we make significant donations to charities, plus sponsorship and fundraising.

Coping With Challenges

Caring for others can be full of challenges. We have a wealth of experience in the not for profit and social care sector. The prevalence of liability claims in this sector, and the need to manage any potential public relations fallout means that you need to be insured with a broker who understands your industry.

We understand that you are busy trying to run your business in what are often very difficult circumstances, so we will help you by taking away the stress of arranging your insurance programme.

Coping With Challenges

Caring for others can be full of challenges. We have a wealth of experience in the not for profit and social care sector. The prevalence of liability claims in this sector, and the need to manage any potential public relations fallout means that you need to be insured with a broker who understands your industry.

We understand that you are busy trying to run your business in what are often very difficult circumstances, so we will help you by taking away the stress of arranging your insurance programme.

Insurance Requirements in your Industry

Despite having the best of intentions, you may still be held liable for claims made by employees, members of the public or related organisations.  If someone gets hurt during one of your events, or you issue advice which causes detriment to someone, damages and associated legal defence fees can accumulate rapidly.

Key covers to consider

Liability Insurance

  • Public/ Products Liability Insurance  If someone is accidentally injured in your workplace, or if their property is accidentally damaged due to your business’ activities or because of the products you supplied, your business could be responsible by law. Public liability insurance can protect your business against claims to cover damages and legal costs that people may make against your business.
  • Employers’ Liability Insurance is a legal requirement under the Employers’ Liability Act 1969. It’s there to protect your employees if they get injured or become ill as a result of working for your business. It covers the damages, compensation costs and legal fees that a current or ex-employee is entitled to as a result of illness or injury which may have been caused while working for your business.

Buildings and Contents

Cover for your computers and office equipment, general stock, general fittings etc. and business interruption.

Cyber and Data Insurance Cover

To protect your organisation against Cyber Crime. Charities and not for profit organisations often rely on technology to operate effectively and therefore run the risk of a data breach or a virus. Criminals will not look to differentiate just because you are a charity or a good cause. They look to exploit any organisation with weak cyber security.

Professional Indemnity

If your organisation provides a professional service, such as counselling, or any form of advice or information, you could be held liable if the service, advice or information was provided negligently. You could be held legally liable for loss, injury or damage that was sustained when the service was provided or as a result of following the advice or information.

Specialist Covers

  • Abuse Extension
  • Medical malpractice – acts or omissions in the course of your professional duties. This can include injury, misdiagnosis, delays in referral, physical or mental harm to a patient.
  • Volunteers
  • Management or Trustees Liability
  • Loss of care registration
  • Event cancellation

 

Clients Like You

We can count the following amongst our valued clients;

  • Hospices
  • Drug and alcohol rehabilitation
  • Children’s homes
  • Adult placements / assisted living
  • Care and day centres
  • Care providers
  • Charities, not-for-profit and voluntary organisations
  • Community action groups, programmes, centres and services
  • Counselling and therapy services
  • Domiciliary care
  • Education, literacy and training services (not ‘conventional’ schools and colleges)
  • Foster care
  • Mental health support
  • Nurseries, playgroups and out-of school clubs
  • Rehabilitation and halfway houses
  • Respite care providers
  • Sheltered workshops and vocational training
  • Shelters and refuges
  • Supported living
  • Youth centres and organisations

Please get in contact with us today if you want to discuss any aspect of cover in more detail. We’re here to help.

“We have been working with R K Henshall for several years now, and they’ve been absolutely fantastic. They handle all our business insurance needs – from Buildings and Contents to Professional Indemnity, Employers Liability, Life Cover, and Health Care. What really sets them apart is their reliability, efficiency, and in-depth knowledge – plus, they’re just a phone call away and always happy to help. Nothing is ever too much trouble, and it’s a real pleasure dealing with a local company we can trust. Definitely a 5-star service!”

Lynda Bradbury, TAFCO

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Latest News

Accreditations

BIBA Partner

Our Location

The Grove, Mill Lane,
Wheelock, Sandbach,
Cheshire, CW11 4RD.
Telephone: +44 (0)1270 758070
Fax: +44 (0)1270 758059

R.K. Henshall © 2026

R K Henshall is a trading name of Advisory Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Our Firm Reference number (FRN) is 313250. Registered office: 2 Minster Court, Mincing Lane, London, EC3R 7PD. Registered in England & Wales No.4043759.

R K Henshall are very proud to support Lupus UK. Lupus UK is a charity very close to our hearts. Unfortunately, Nita Davies who had been a stalwart of our company from it’s very beginning lost her battle against this terrible illness in 2013. Lupus UK is the only National Charity which supports people with the immune system illness. (Registered charity nos. 1051610, SC039682) Click here to read more about Lupus UK.

John Henshall

John Henshall

Tel: 01270 758070
Email: john@rkhenshall.com

John has 20 years of insurance broking experience. John has been awarded the Advanced Diploma in Insurance by the Chartered Institute and has achieved his Certificate in Financial Services.

John is particularly experienced in the arrangement of covers for construction customers and advises across all classes including speciality lines for clients.

John is a keen sportsman having played rugby at local level for both Penrith and Sandbach. He was captain of Sandbach squash club for many years and continues to play in the North West league.

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Allen Simpson

Allen Simpson

Tel: 01270 758097
Email: Allen@rkhenshall.com

Allen has over 15 years experience in commercial insurance having worked for a mixture of large and smaller insurers before moving in to an Insurance broking role. He is responsible for the RK Henshall online trading through the Hensure Brand and also has overall responsibility for a number of delegated Authority binders that operate within the Underwriting Agency. In his spare time he likes to play golf and is also the drummer in a covers band.

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Angela Brown

Angela Brown

Tel: 01270 758088
Email: angela@rkhenshall.com

Angela started her career in banking and investments. She transferred to the construction industry in 1994 where she qualified as an accountant and took on the role of Financial Controller. Angela joined RK Henshall in 2013 and is responsible for the financial management, HR and compliance functions of the business.

She is also an RAF Reservist and devotes much of her spare time to keeping fit.

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Jo Ford

Direct Dial: 01270 296375
Email: joanne@rkhenshall.com

Jo has over 30 years of experience in the insurance industry, covering all aspects of commercial and property insurance, with a particular interest in the motor trade sector. She works closely with businesses to identify potential coverage gaps and ensure they have the right protection in place.

Jo is committed to building long-term relationships with her clients by focusing on tailored insurance solutions, keeping premiums competitive, and providing peace of mind – rather than taking an overly sales-focused approach.

Outside of R K Henshall, Jo enjoys spending time with her horse, and regularly competes in equestrian events. She is also a keen gym-goer and loves spending time with her family and walking her dog.

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Phil Cartwright

Phil Cartwright

Tel: 01270 758099
Email: phil@rkhenshall.com

Phil has nearly 30 years of broking experience, specialising in the Construction and Motor Trade Industry.

As Client Director, Phil works within the corporate business department managing a book of existing customers, introducing new clients and working with the relevant Account Executives, Senior Leadership teams and the Claims department to develop and retain existing high profile clients.

Outside of RK Henshall, Phil enjoys spending time with his son and is a keen cricketer. His true passion is Motorsport and Track days and follows the British Touring Cars all over the country.

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Mark Young - R K Henshall

Mark Young

Tel: 01270 236160
Email: marky@rkhenshall.com

Mark has over 10 years’ experience in the insurance industry, working as both a Commercial Insurance Broker and Insurer Business Development Manager across several industry sectors, including Motor Fleet, Property, Liability and Claims Management.

Mark is passionate about building a strong working relationship with his clients, as he feels this is key to building trust on which he can give appropriate advice to his customers’ needs.

In his spare time, Mark is a keen golfer (typically during the warmer months of the year!) and likes to go to music gigs when he can.

 

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Lea Prince

Lea Prince CERT CII, IRMCert

Tel: 01270 758061
Email: Lea@rkhenshall.com

Lea has over 25 years experience of placing and underwriting both commercial & personal lines insurance business, across a broad range of products. Areas of expertise include Manufacturing, Construction, Retail, Distribution and Warehousing, Liability and Professional Indemnity, Motor Trade and Motor Fleet Insurance. Having worked for both brokers and an Insurer, Lea has excellent industry & product knowledge.

Outside of R.K Henshall, Lea is a keen cricketer, loves spending time with his family and also holds a private pilot’s licence.

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Mel Brooks

Tel: 01270 296463

Email: melb@rkhenshall.com

Mel is our Broking Services Manager, joining the team in 2025. She is originally from Yorkshire and has 35 years of experience as an insurance broker.

For more than 10 years, Mel serviced over 150 fleet clients, before making the move into Commercial Insurance.

Outside of the office, Mel is a keen runner and likes spending time with her family.

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Colin Fletcher

Colin Fletcher

Tel: 01270 758062
Email: colin@rkhenshall.com

Colin has over 18 years insurance experience in both Commercial Broking and claims over a wide range of niches.

Colin is Cert CII and Cert CILA qualified which are industry recognised qualifications within the insurance claims and loss adjusting sectors enabling RK Henshall to competently manage and advise on all claims including property damage, liability and motor.

Outside of his working life, Colin enjoys playing Sunday League Football, Coaching for Hanley Town FC, playing golf and going to music gigs.

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Melanie Woorich

Melanie Woolrich

Tel: 01270 758070 (Option 1)
Email: melanie@rkhenshall.com

Melanie started work at RK Henshall in 1992 as a trainee straight from school and has progressed to Personal lines team manager. She is responsible for the growth and development of all our “Insurance for You” products and her team of experienced advisors.

Outside of RK Henshall Melanie loves spending quality time with her children and keeping fit.

Melanie has recently completed her second London Marathon raising money for our company charity Lupus UK, a charity dear to our hearts here at RK Henshall.

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R K Henshall are delighted to once again support Kidsgrove Cricket club in their forthcoming season  www.kidgsgrove.play-cricket.com

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R K Henshall are proud to once again support Milton United Football Club in their forthcoming season.
www.miltonunitedfc.co.uk

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Supporting Community Business do great work in the community, and have done since they were established in 1998. In 2019, RK Henshall nominated SCB for the Aviva Community Fund and we managed to obtain funding from Aviva to the value of £5,000, allowing SCB to replace their heating system. We have continued to build a great relationship with the charity in recent years.

www.scbspecialneeds.co.uk

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Community clubs like Elworth Cricket Club offer a safe, friendly environment to get involved in recreational sport at any age and socialise with friends. We are delighted to once again support Elworth CC in their forthcoming season.

www.elworth.play-cricket.com

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RK Henshall have been sponsors of Sandbach United since 2015, watching them develop into the fantastic family orientated club it is today. They were named FA National Grassroots Club of the Year winners in 2020.

www.sandbachunitedfc.co.uk

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Several of the RK Henshall team have played for Sandbach Rugby Club over the years, including our Managing Director, John Henshall and current first team player Josh. We have been proud sponsors of the club for a number of years, building a fantastic relationship with the club, their members and the players, and we continue to sponsor and attend an annual match.

www.sandbachrufc.co.uk

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