Insurance Pitfalls and Avoiding Loss

• We will start with a brief introduction into the Domiciliary Care industry, discussing the general day to day activities of the trade.
• We will discuss the exposures the industry could be susceptible to in relation to insurance claims and will discuss a case study example.
• We will then discuss how we can support the management of these exposures with different insurance covers looking at:
• What each cover provides
• What the benefits of this cover would be for the business
• General exclusions which apply and need to be considered
• Risk management which yourself as a business can do to reduce the risk of a claim in the industry
• We will finally discuss the responsibilities of the insurers and brokers to support with providing ‘good outcomes’ to reduce the risk of claims.

• To understand the general activities within the Domiciliary Care industry and the exposures they provide to insurance related claims.
• To know the variety of insurance covers available for the trade.
• To understand the covers, their benefits, exclusions, and risk management which could be put in place to reduce the exposures.
• To understand the Insurer’s and Broker’s ongoing responsibilities.

Nick Hutson
Compliance & Training Manager, 1st Choice