What Does Professional Indemnity Cover?
Professional indemnity insurance is designed to protect against allegations of:
- Negligence
- Failure of care
- Incorrect advice
- Errors or omissions
- Breach of professional duty
Even where allegations are unfounded, legal defence costs can still be significant.
Why Supported Living Providers May Need It
Supported accommodation providers often assist residents with:
- Independent living
- Tenancy management
- Appointments
- Emotional support
- Welfare support
- Safeguarding concerns
These activities can create professional liability exposures.
Claims Can Arise Unexpectedly
Examples may include allegations relating to:
- Failure to escalate safeguarding concerns
- Inadequate supervision
- Incorrect record keeping
- Support failures
- Miscommunication
Policies Should Be Structured Correctly
Not all professional indemnity policies are suitable for supported accommodation risks.
It is important that insurers fully understand:
- The services provided
- The resident profile
- Staffing arrangements
- Safeguarding procedures
Specialist Advice Matters
Supported living is a specialist sector that requires careful insurance placement.
At SRS Insurance, we assist supported accommodation providers throughout the UK with specialist insurance solutions tailored to the sector.
Speak to a Specialist Broker
At SRS Insurance, we help supported accommodation providers arrange specialist professional indemnity and liability insurance tailored to their services.
