Adoption and Foster Agency Insurance

Running a foster care agency involves daily risks, from ensuring children’s safety to employee security and data protection. A cautious approach to risk management is paramount for the agency’s continuous well-being.

Gallagher works with many fostering and adoption agencies on their insurance quotations. We combine multiple covers under a single policy, saving you time, and our team of specialists ensure you receive support and personalised service year-round.

We partner with insurers to provide customised care insurance coverage specifically designed for your adoption and fostering agency.

Find the plan for your agency. Call 01625 348029. or Speak with our specialists!

What is adoption and foster agency insurance?

Adoption and foster agency insurance is a specialised insurance coverage designed to protect adoption and foster care agencies from public liability, professional negligence, employee injuries, and property damage.

It is crucial for ensuring an agency’s legal compliance, financial protection, and operational continuity.

What is covered by adoption and foster agency insurance?

Adoption and foster agency insurance offers a wide range of coverage to protect your caregiving services from service-related risks.

Here is an overview of what is covered:

• Material Damage: Physical damage to property, including buildings, equipment, and contents.
• Business Interruption: Financial losses due to a temporary halt in operations caused by covered perils.
• Money: Loss or theft of funds, ensuring financial security for agency transactions.
• Employers and Public Liability: Coverage for legal liabilities and lawsuits arising from injury to employees or the public.
• Physical, Sexual and Emotional Abuse Cover: Claims related to abuse and allegations during foster.
• Professional Indemnity: Legal costs and damages due to professional negligence claims.
• Medical Malpractice/Treatment (foster carers including employees): Liabilities arising from medical errors or malpractice.
• Theft from the Foster Carer: Protection against theft of agency property by foster carers.
• Wilful Damage Cover (up to £500,000 for any one claim): Damages caused to the agency intentionally.
• Personal Liability of Foster Carers: Legal liabilities arising from actions of individual foster carers.
• Legal Expenses: Legal costs for defence or pursuit of legal actions.
• Management Liability: Protects management against claims of mismanagement or negligence.
• Entity/Corporate Legal Liability: Legal liabilities specific to corporate entities.
• Employment Law Protection: Safeguards against legal claims related to employment practices and compliance with labour laws.
• Fidelity: Protects against financial losses due to fraudulent acts by employees or third parties.
• Abuse and Molestation: Claims related to abuse or molestation allegations.

Additional covers available:

• Coverage for any wilful damage/injury caused by the child in care to the carer’s property/person to protect against intentional harm or damage done by the child in care.
• Liability coverage for the foster carer, as well as the agency, against claims brought by the child in care for bodily injury.
• Coverage for the foster carer, child, as well as the agency, against claims brought by third parties for accidental damage/injury to property/persons caused by the child in care.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

Why do you need adoption agency and fostering insurance?

Adoption and fostering agency insurance ensures operational continuity and protects the agency, its employees, foster carers’, and clients from financial losses arising from legal claims, accidents, property damage, and misconduct allegations.

Benefits of adoption agency insurance:

• Legal Protection

• Employee Security

• Client and Visitor Safety

• Foster Carer Assurance

How can I arrange adoption and foster agency insurance?

Getting covered with us is simple.

Call us at 01625 348029 for queries, Monday to Friday, 8:30am to 5:30pm

Request a call back, and one of our specialists will reach out at your preferred time

Why choose Gallagher?

We understand the risks involved and offer adoption and foster agencies an exclusive policy covering damage, loss, and legal liabilities related to the child in their care.

We provide:

• Specialist Recommendations: We suggest a suitable provider tailored to your unique needs.
• Comprehensive Reviews: We thoroughly assess your current insurance arrangements.
• Compliance Assurance: We ensure your policy meets local authority and CQC requirements.
• Proven Experience: With 25 years of expertise in the care sector, we provide the best plans to mitigate risks.
• Flexible Payments: We offer monthly payment options to spread the cost.
• Trusted Underwriters: We have policies underwritten by Aviva, a leading UK insurance provider.

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