Our Policy

The CHIS policy is designed specifically for care providers, yet retains the flexibility to meet the varying needs of those providing residential care and similar businesses.

We appreciate that no residential care or nursing home business is exactly the same; therefore we have negotiated with our panel of insurers to ensure flexibility to meet varying needs.

View a summary on our standard and optional cover.

Please contact us to receive an example policy or request an individual quotation by phoning CHIS on 01273 645920, or complete the online quotation form.

We will forward you a fully detailed quotation within one working day of receipt.

Summary of cover

The policy provides comprehensive insurance cover for the insurable risks faced by care providers. The standard policy excess is only £150, reducing to £50 for resident's effects.

Buildings, contents and business interruption
Buildings are insured on a reinstatement basis. Contents are insured on the basis of replacement as new (except for stock in trade).

Standard cover includes:
• Contents
• Goods in Transit
• Loss of Fees
• Alternative Accommodation
• Glass
• Deterioration of Frozen and Refrigerated Food
• Failure of Electricity Gas & Water
• Loss of Book Debts
• Loss of Money with Assault Extension
• Employers Liability
• Public/Products Liability
• Malpractice/Treatment Risk
• 24 hr Emergency Claims Helpline
• 24 hr Legal Helpline
• Legal Expenses

Optional cover includes:
• Buildings (Reinstatement)
• Loss of Registration Certificate

CHIS are registered and wholly compliant with the Financial Services Authority (FSA)
Registration no: 3000248