Dear Colleague

Carers Centre Insurance Scheme

Carers Enterprises has worked with our broker Watson Laurie and developed a carers centre insurance product which has been specifically designed for centres.

Our aim is to meet your insurance requirements in the most cost effective and least time consuming way. By becoming part of our scheme your centre will also access insurance guidance and the support of Watson Laurie.

The attached information details the core covers available including choices of indemnity levels, legal expenses insurance which covers employment disputes and awards and telephone helpline. The pricing is extremely competitive with insurance placed with Ecclesiastical, a well known financially stable insurer.

We have pleasure in enclosing a leaflet and brief prospectus of the package cover available from which you can choose the sections you require

If you require any further information, or have any queries, please do not hesitate to contact Melissa Scott on 0120 4547907 or Wendy McMann at Watson Laurie on 01204 547925 or Carolyn Robb on 01788 573653.or email Carolyn on crobb@carers.org

Best wishes

Carolyn Robb
Head of Commercial Services

Carers Enterprises Limited
10 Regent Place, Rugby, Warwickshire, CV21 2PN Tel: 0208 498 7958

Company number: 3244605
Registered office: 10 Regent Place, Rugby, CV21 2PN



Carers Centres Insurance

Tailor made Insurance product for Carers Centre designed in conjunction with Carers Enterprises underwritten by Ecclesiastical

Very competitive rates and flexible cover options: Core covers:

  • Employers & Public Liability at a £10,000,000 Limit of indemnity (Employers liability is restricted to £5,000,000 in respect of terrorism)

  • Trustee Liability Insurance - you can choose the limit £250,000, £500,000 or £1,000,000

  • Professional Indemnity - you can choose the limit £250,000, £500,000 or £1,000,000

  • Legal Expenses up to £100,000 any one claim including employment disputes & awards, legal defence, property protection & bodily injury and tax protection

  • Property Insurance cover is available at £20,000, £50,000 & £100,000 and will include

    all risks, money and increased cost of working

    Benefits (Automatically included)

  • 24/7 property damage claims helpline

  • Emergency glass helpline

  • Business assistance helpline

  • Commercial legal advice helpline

  • Tax advice helpline

  • Employee counselling helpline

  • Online employment manual & business law manual

  • Public relations crisis management extension up to £25,000

  • Risk management support from Watson Laurie

  • Assistance on the insurance sections of tender documents from Watson Laurie

  • Optional Covers (Cover can be extended to include these)

  • Equipment breakdown

  • Fidelity

  • Goods in transit

  • Loss of registrations/licence

  • Business Interruption – Gross profit cover is available instead of increased cost of working

  • Medical malpractice

  • Extended legal expenses to include Contract disputes, debt recovery and statutory licence protection

    Please contact Wendy McMann on 01204 547925 for a quotation

    Watson Laurie Ltd Registered in England at Watson Laurie House 234-236 St. George’s Road, Bolton BL1 2PH. No. 2281004.Authorised and Regulated by the Financial Services Authority RN 302901

  •  


    Carers Centre Insurance Scheme

    Prospectus and Basis of Cover

    Please read through to ensure the following meets with your requirements. These are summary details only, full policy wordings are available on our website.

     

    a) Employers Liability and Public Liability

    Cover provided by Ecclesiastical

    Employers Liability – Limit of Indemnity £10,000,000.00 including costs in any one event (restricted to £5,000,000 in respect of terrorism)

    Public Liability – Limit of Indemnity £10,000,000.00 in addition to costs (if a higher limit of Indemnity is required, please ask)

    Cover – all sums for which the client shall become legally liable to pay for damages and claimants costs and expenses, in respect of any occurrence to which this cover applies, as stated in the policy and in connection with the business. Costs and expenses of litigation agreed by Insurers are included.

    Third party property damage excess £250.00

    Cover will be subject to CRB checks being completed on all employees and volunteers involved in regulated activity, and remaining current.

     

    b) Trustee & Management Liability (Directors & Officers Liability)

    Cover provided by Ecclesiastical

    Covers the personal liability of trustees, officers, employees or voluntary workers arising from errors or omissions they make in the management and administration of the organisation.

    The limit of indemnity is optional at £250,000, £500,000 & £1,000,000 in aggregate.

     

    c) Legal Expenses (Including Employment Disputes)

    Cover under this section is arranged by Ecclesiastical in conjunction with DAS Legal Expenses Insurance Company Limited (DAS)

    Protects policyholders against the potential costs of legal action includes defending employment disputes, fees for representation and expert witnesses and compensation awards, Legal Advice Line, 24 hours on all business matters. Limit of Indemnity £100,000 any one claim.

     

    d) Professional Indemnity

    Cover provided by Ecclesiastical

    Covers your legal liability for wrongful acts arising from the provision of your professional services or advice. It includes your legal liability as a business following the dishonest acts of members of your staff and authorised volunteers.

    The limit of indemnity is optional at £250,000, £500,000 & £1,000,000 in aggregate.

     

    e) Property Insurance

    Cover provided by Ecclesiastical Package cover – three options

        Option 1 Option 2 Option 3
    All contents, the property of the insured or for which they are responsible at the premises   £20,000 £50,000 £100,000
    All risks cover for property away from the premises   £1000 £2000 £3000
    Single Article Limit   £1000 £1000 £1000
    Loss of money   £1000 £2000 £3000
    Increased cost of working   £50,000 £75,000 £100,000
    Policy excess (each and every claim)   £250 £250 £250

    Main Conditions

    Minimum security – 5 lever mortice deadlocks to BS3621 on entrance/exit doors and key operated window locks on all ground floor or accessible windows.

    Theft cover only applies to forcible and violent entry to or exit from the premises.

    Property left in unattended motor vehicles will not be insured out of business hours. Property left in motor vehicles during business hours must be in a locked boot.

    When the property is closed for the evening a final check of the premises is made by a competent person.

    Your property must be of standard construction i.e. brick/stone built, slate or tiled roof.

    If you need buildings cover, gross profit cover or higher sums insured, please complete our questionnaire for quotation.

     

    Benefits (Automatically included)

    • 24/7 new property damage claims helpline

    • Emergency glass helpline

    • Business assistance helpline

    • Legal Expenses up to £100,000 any one claim including employment disputes & awards, legal defence, property protection & bodily injury and tax protection

    • Tax advice helpline

    • Employee counselling helpline

    • Online employment manual & business law manual

    • Public relations crisis management extension up to £25,000

    • Equipment breakdown

    • Risk management support from Watson Laurie

    • Assistance on the insurance sections of tender documents from Watson Laurie

    • Optional Covers (Cover can be extended to include these)

    • Fidelity

    • Goods in transit

    • Loss of registrations/licence

    • Business Interruption – Gross profit cover is available instead of

      increased cost of working

    • Medical malpractice

    Extended legal expenses to include Contract disputes, debt recovery and statutory licence protection

     

    Personal Accident - Optional

    Cover provided by Ecclesiastical

    Benefit to be paid to employees as set out below, following an event happening in the course of and arising out of the business. The event is defined as bodily injury, which injury shall independently of any other cause be the sole cause of any results within 24 calendar months set out below:-

    Category   Limits of Indemnity
    Employees gross   2 X Salary Death and Capital Benefits/ £75% of Salary weekly
    Volunteers   £25,000 Death and Capital Benefits/ £50 weekly


    Minibus Insurance – optional

    Cover arranged by QBE (Stafford) Ltd a division of the QBE Insurance Group.

    • Any Driver over the age of 21 (upper age limit 70) with 2 years driving experience

    • European Breakdown Recovery Services provided by the AA, which includes Homestart, Roadside Assistance and Onward Transportation

    • Uninsured Loss Recovery up to a limit of £100,000

    • Unlimited Windscreen Cover subject to a £75.00 excess

    • 24 hour a day freephone emergency helpline

    • Pan-European Certificate wording, which means that there is no requirement for a Green Card should you visit any member state of the EU

    • Trailer cover up to £5,000 any one trailer

    • Use by other affiliated organisations
      Please contact us for a quotation or advise us on the proposal form of the renewal date, and we will contact you. This is a very brief summary of the cover available. For full details contact Watson Laurie Ltd.


    h) Travel Insurance

    Bespoke cover available from P J Hayman

     

    Please contact Wendy McMann on 01204 547925 for a quotation or more information

    Watson Laurie Ltd Registered in England at Watson Laurie House 234-236 St. George’s Road, Bolton BL1 2PH. No. 2281004.Authorised and Regulated by the Financial Services Authority RN 302901


 
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Carers Enterprises Limited is the commercial arm of Carers Trust (registered charity number in England and Wales 1145181 and in Scotland SC042870)
Registered in England no. 3244605. Registered Office: 10 Regent Place, Rugby, CV21 2PN

 
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