Insurance and Protection

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Professional Indemnity

The agency is covered by a professional Indemnity insurance policy to indemnify any person, who is a principal, director, a member of any ethics committee, employee, volunteer and Foster Carers of the agency. This policy provides protection against legal liability to pay damages and claimant’s costs and expenses for up to £5,000,000, as a result of claims made arising out of any bodily injury, mental injury, illness, disease or death of any client caused by negligent act error or omission committed by the insured in or about the conduct of the agency’s occupation or business as stated, including “Good Samaritan” acts.

Contents Insurance

To cover all risks of physical loss or damage, buildings including Landlords fixtures and fittings, Tenants improvements and decorations, general Contents and Computers including ancillary equipment.

Employers Liability

Up to £10,000,000.

Public Liability

The limit of indemnity is £5,000,000 (unlimited in any one period of insurance). Insurers will indemnify the insured in the terms of this Policy against liability at law for compensation and claimant’s costs and expenses in respect of:

  • Injury to any person
  • Damage to Property

Liability and Wilful Damage

All property other than that specifically excluded belonging to any foster carer or members of the foster family permanently residing in an approved household or for which they are responsible insofar only as it is not otherwise insured anywhere in the United Kingdom. This cover extends to include theft of money by the foster children up to a maximum amount of £250.00. This policy has a limit of claim for any one occurrence up to £100,000.

This policy also indemnifies for public liability up to a limit of £5,000,000 (unlimited in any one period of insurance). Insurers will indemnify the insured in the terms of this Policy against liability at law for compensation and claimant’s costs and expenses in respect of:

  • Injury to any person
  • Damage to Property

Legal Expenses

Up to £ 100,000 for employment disputes, tax protection, legal defence, property disputes and legal helpline.