If You Own A Care Home Then The Correct Insurance Is Critical

No matter what type of home you own and run, you really do need the correct type of insurance.
This includes care for:
• The elderly
• People suffering from Physical disability
• People with Dementia (EMI)
• People with Sensory impairment
• Alcohol / Drug Dependency
and many other types of home, covering all ages and reasons why that person would be in the care home.
Care home insurance is a very niche and specialist insurance, so you will usually be limited by the number of insurers who will take on this type of insurance, but it is out there if you look hard enough. Just searching for care home insurance on the Internet can often take a while to sift your way through the results.
You will probably need to find a specialist insurer as many "more general" insurance companies will not offer this type of insurance and even if they do, they will not overly advertise the fact they do as they normally leave their specialist type of insurances to brokers who will then approach them on your behalf.
It is quite usual to use a specialist broker when it comes to finding care home insurance, mainly because if you try to find this yourself or the company yourself, you can often end up with a list of calls to make to companies who probably won't be able to deal with your requirements. A specialist broker or a specialist website that only deals with care home insurance will mean that when you hand over your details, you are not wasting your time and are only going to get back decent and relevant quotes.
When arranging your care home insurance, be prepared to answer lots of questions, which will usually include the speciality of the home, number of beds, location, staff numbers and so on, and quite often you will be required to provide information about your turnover and other financial information.
As with any other type of insurance, if you fail to provide full details or some of the others are incorrect, then you could well find that if and when you come to claim on the insurance it could well be void due to any errors or non disclosures. There really is no point in trying to save money by not providing certain details or distorting others, so make sure you are totally honest and truthful and provide the information accurately for the insurance company.

Ian owns and runs a wide range of insurance comparison sites, aimed at more of the niche and specific insurances.
The sites contain an easy to use quote form and lots of information about the relevant insurance.
Insurance For Care Homes

Article Source: http://EzineArticles.com/?expert=Ian_Douglas_Spencer

Article Source: http://EzineArticles.com/6921150