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Care homes and business interruption insurance

Admissions suspended during the pandemic? Closed part or all of your home? You may have an insurance claim.

A recent court case considered insurance policies that cover business interruption. It considered the circumstances in which insurers may be liable to pay out for lost income.

Some policies cover lost income if you are unable to run your home. The case confirms these policies may apply if you are unable to operate all or part of your home. A complete closure is unnecessary.

Some policies cover lost income due to the occurrence of a “notifiable disease”. The case confirmed these policies could cover coronavirus. Our team can review your policy for you.

Other polices cover lost income due to disease occurring outside of your home and within a specified radius. You may be able to claim for lost income even if none of your staff or residents had coronavirus.

Due to the case any previous assessments of cover should be revisited. If you had to suspend admissions due to the pandemic you may have a claim. You may also have a claim if you had to close part or all of your home.

If you have a claim it is crucial to ensure it is carefully articulated and not invalidated.

For help with assessing, making and protecting a claim please contact Rich EldridgeCathy HarrisRichard Moore or Peter Brewer.

Guides for care home owners

Buying a care home Selling a care home Borrowing from a bank Inspections, ratings and enforcement
Buying a trading care home Preparing to sell your care home Bank loans for your care home Care quality commission

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