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An Introduction
To Towergate Patrick
Towergate Patrick is part of the Towergate Partnership, Europe's
largest independent insurance intermediary specialising in
providing niche insurance products. Products featuring the
Towergate brand are designed to be market leading and offer
excellent value for money.
1.) We are Insurance Specialists
2.) Over 30 years experience in the care industry
3.) We provide more cover as standard, & are able to tailor our
product to suit needs.
4.) Part of Europe’s largest Independent Insurance Broker
Product Range
• Residential elderly care home
• Residential adult care home
• Elderly nursing home insurance
• Nursing home insurance
• Care home minibus insurance
• Domiciliary care insurance
Care Concept-
Insurance for care homes
Because no two care homes are the same, our specialist care home
insurance is designed to protect your business from risk with
bespoke, flexible, value-for-money cover. We will work with you to
thoroughly evaluate your needs and plan cover around the unique
requirements of your business so that it is fit for purpose.
Key features include everything you’d expect from a specialist
insurance policy, including cover for Property, Liability
Protection, Revenue Protection and Legal Expenses.
Exclusive additional benefits include:
• Claims loss recovery service for material damage over £5,000,
excluding subsidence.
• Access to a care-specific online HR tool that enables you to
conveniently fulfil your legal responsibilities
• 24-hour legal helpline manned by qualified barristers and
solicitors
• 24-hour stress helpline for employers and their employees
• Prompt access to a leading, independent registration consultant,
retained exclusively for Towergate Patrick
• Infectious disease cover- automatic cover under business
interruption section for up to 3 months. Not restricted to
notifiable diseases
Towergate Patrick Homecare policy
Towergate Patrick Homecare is a flexible insurance policy aimed at
suiting most domiciliary care requirements. Simply choose from a
range of options that best suit your business and budget. Our
standard policy is ideally suited for both small and large
organisations, as well as new ventures.
Exclusive additional benefits include:
• Access to a care-specific online HR tool that enables you to
conveniently fulfil your legal responsibilities
• 24-hour legal helpline manned by qualified barristers and
solicitors
• 24-hour stress helpline
• Prompt access to a leading, independent registration consultant,
retained exclusively for Towergate Patrick
Nursery Care Concept insurance
Our Nursery Insurance is specifically designed for Private Day
Nurseries, Kindergartens, Sure Start Nurseries, Montessori
Schools, Breakfast Clubs, After School Clubs and Summer Camps. All
of our nursery policies include a wide range of cover as standard,
with the option to further tailor the cover to fit your business.
• Contents - cover for £25,000 nursery contents automatically
included to protect you from incidents such as theft and
accidental damage.
• Revenue protection - if you are unable to trade from your
nursery premises, you can protect your income with £750,000 over
24 months, including cover for the increased cost of working.
• Employers’ liability - protect your legal liabilities to pay
damages arising out of injury to an employed person with our
standard £10 million.
• Public & products liability - protect your legal liability to
pay damages arising out of accidental injury to children, parents
or other third parties, and damage to their property. Our standard
cover of £5 million also includes cover for administration of
prescribed medicines/drugs, first aid, and supervised outings.
• Loss of registration - cover for £100,000 included for loss of
registration.
• Personal accident - our policy includes cover for both nursery
staff and children in the event of an accident.
• Employee dishonesty - protection against any direct financial
loss of money up to £25,000 through the dishonest, fraudulent or
criminal act of an employee included as standard.
• Legal expenses - cover to pay for legal costs arising from
employment disputes, contract disputes, and criminal prosecution
defence up to £250,000. You will also have access to a 24 hour
legal advice helpline, operated by qualified solicitors and
barristers with experience in the care industry.
• Claims service - if you suffer a claim over £5,000 we will
appoint a specialist loss adjustor to work for you, and handle all
aspects of your claim. They will handle all correspondence,
arrange payments from insurers, as well as negotiating the best
settlement you are entitled to.
Minibus insurance
If you operate a minibus to transport residents, Towergate Patrick
can provide minibus insurance to suit almost any care home,
nursing home or day centre, providing that drivers have the
appropriate UK licence and the vehicle has between seven and 17
seats.
Bespoke Legal Expenses insurance
Legal expenses insurance provides cover for the costs of
solicitors, barristers, expert witnesses and court proceedings, in
the event of a legal dispute.
How do we do it differently?
• Dedicated advice team specialising in care
• Legal advice only from qualified solicitors and barristers
• Claims team all qualified with a Law Degree as a minimum
Online Care- Specific HR Management tool- CybHR
As part of the legal expenses cover you will receive, at no extra
cost, CybHR, an online care-specific HR management tool.
CybHR will help protect you from the risk of potentially lengthy
and costly litigation by giving you access to all the latest
information, with proactive updates on best practice guidelines,
legislation and case precedents.
Claims Assist:
When disaster strikes, a quick and effective response can be vital
to keep a care home in business; large losses call for hands-on
assistance. Every year businesses witness devastating losses
caused by flood, fire and malicious acts. These claims can be
complex and our claims service, included as standard in our Care
Concept policy, provides a chartered loss adjuster to work with
you. This ensures that the entire process is handled quickly,
fairly and without unnecessary stress.
Additional Services Available:
In addition to offering bespoke care insurance packages, we have
added new products and service to enable you to run your business
more effectively and compliantly.
Expert Risk Management Service- Insurance and risk management
should go hand-in-hand- whilst a correctly arranged insurance
programme will transfer certain financial exposures for the
business, it does not deal with the tangible risks that need to be
managed or removed to achieve an efficient, profitable and
compliant business.
To help you run a compliant and efficient business, reduce injury
claims and employment tribunals, help to defend against claims,
and long-term cost saving and peace of mind.
Expert Valuation Service- Towergate Patrick has teamed up with
leading valuation surveyor, Gleeds Durden, to provide a
professional valuation service at a discounted rate. The service
is designed to provide complete confidence in your building sums
insured and guard against the impact of under-insurance in the
event of a loss.
To avoid under-insurance penalties in the event of a claim, to
reduce interruption to your business by accelerating the claims
payment process and valuations are undertaken by experienced
chartered surveyors.
Financial planning advice
We believe in offering our customers a breadth of service which,
in itself, makes us invaluable advisors to both you and your
business. Towergate Financial offers independent financial advice
and, in association with Towergate Patrick, a care-specific
financial lines service is now available with access to, and
advice on, a full suite of investment, pension and savings
products.
Benefits of dealing with Towergate Patrick
• Expert advice
• Bespoke insurance solutions
• Access to market leading products
• Dedicated in-house claims support
• Understanding your business.
Contact Details
To find our how we can help your business:
Telephone: 0208 336 0099
Email: carehomes@towergate.co.uk
www.carehome-insurance.co.uk
Nursery Care Insurance
Telephone: 0208 336 4824
Email: Nursery-insurance@towergate.co.uk
www.Nurseries-insurance.co.uk
Towergate Patrick
Britannic House
230 Burlington Road
New Malden
Surrey
KT3 4NW
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