Care homes are advised to start their insurance renewal process three months in advance, under new guidance from British insurers.
New guidance sets out hints and tips for care homes seeking employers’ and public liability insurance. Care homes are advised to focus on the following areas of documentation:
- Risk management: examples may include PPE training, health and safety training, staff qualifications, effective business continuity plans and compliance with Government and regulator guidance around infection control
- Recordkeeping: cleaning processes, use of PPE, risk registers, details of the management of any previous COVID-19 cases, updating and reviewing individual care plans
- Staffing for IPC: avoid care staff moving between different care facilities and/or internal locations
- Sharing information: Up-to-date COVID-19 statistics, including vaccination records, previous claims history record, staffing information
- Regulatory history
The guidance published by the British Insurance Brokers’ Association and the Association of British Insurers explains that increasing EL and PL claim frequency, heightened exposure to COVID-19 and the risks of future variants and other communicable diseases have increased premiums and reduced EL and PL cover availability.