INSURANCE FOR BUSINESS | INDUSTRY SECTORS

Health, Social Care & Community Services

As an independent Insurance Broker 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.

“Thank you to R K Henshall for their support, promoting our charity and becoming an Aviva Broker award winner in their Community award process, allowing us to replace our old warm air blower system.”

Colin Mills, Supported Community Business (Special Needs) Limited

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Our Location

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

R.K. Henshall © 2021

R K Henshall & Co Ltd are Independent Intermediaries and are authorised and regulated by the Financial Conduct Authority. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, T.R.Dredge DIP CII, A.Brown FCCA. Director/Company Secretary R.K. Henshall ACII. Registered No. 1285024

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.