DUAL Group
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Social Care insurance
Specialist social care insurance for complex care environments
DUAL’s Social Care insurance gives you access to flexible, tailored cover designed for the needs of the care sector. We understand the challenges these businesses face and offer package-based protection built specifically for this specialist industry.
With care-specific cover, specialist underwriting and a clear appetite, we help you place risks with confidence and deliver solutions that fit your clients’ needs.
Key benefits
Care-specific package cover
Bring property, business interruption and casualty cover together in one package, making it easier to arrange joined-up protection for your clients.
Abuse, Medical Malpractice and Professional Indemnity built in
Give your clients access to clearly defined abuse cover, alongside Medical Malpractice, Professional Indemnity, Public Liability and Employers’ Liability protection.
Appetite across established and emerging providers
Place risks across both established operators and newer providers, including Children’s Homes and Special Educational Needs Schools.
Flexible limits for complex liability exposures
Access strong liability capacity to help your clients meet contractual, operational and regulatory demands.
Specialist underwriting for social care risks
Work with an expert team that understands the operational, regulatory and safeguarding pressures that shape social care risks.
Risk appetite
We provide cover for a wide range of social care risks, including:
- Residential care homes for adults and elderly service users
- Care providers supporting dementia, mental health, learning difficulties, physical disabilities and other complex needs
- Children’s Homes
- Domiciliary care providers
- Supported living providers
- Low Secure Mental Health Units
- Special Educational Needs Schools
- Hospices
- Care-led charities
What’s not covered:
- Unregulated provisions with no clear care requirement for service users
See our full appetite sheet
Why choose DUAL?
Expert underwriting team
Work with a team of experts who understand the pressures facing care providers, and the challenges of placing complex risks in a closely scrutinised sector.
Tailored solutions
No two care providers are the same. That’s why we offer package-based cover that can be tailored to different service models across the sector.
Clear appetite, practical underwriting
Move forward with confidence through a clear appetite and a pragmatic underwriting approach that looks at each risk on its own merits.
Speed where it counts
Get fast and direct access to experienced underwriters who understand the market, giving you and your clients flexible support whenever you need it.
Underwriting requirements
To provide an accurate quote, we require the following client details:
- A completed proposal form
- The relevant Children’s Social Care Proposal Form
- Full details of the services provided and service user profile
- Claims history
- Risk management, safeguarding, policies and procedures
- Regulatory and registration details where relevant
FAQs
Yes. Abuse cover is included as part of the proposition, with limits up to £5m.
Yes. Medical Malpractice and Professional Indemnity are included, with limits up to £10m.
