Chapter 3 - Care Home Policies

Question 1

Care - What does the Care Quality Commission Regulations State?

Answer 1

All registered care homes must have insurance and suitable indemnity arrangements.

Question 2

Care - Is buildings cover included as standard?

Answer 2

Yes

Question 3

Care - Is loss of accounts recievable (book debts) and optional extra?

Answer 3

No - included as standard

Question 4

Care - Is legal covered included as standard?

Answer 4

Yes

Question 5

Care - Is frozen food an optional cover?

Answer 5

No - Included as standard

Question 6

Care - How much cover is there for staff and residence property?

Answer 6

£1000 per person
£100 per person for personal money

Question 7

Care - Is damage to property at exibitions covered?

Answer 7

Yes

Question 8

Care - Is seasonal increase in stock included?

Answer 8

Yes

Question 9

Care - Is malpractice covered?

Answer 9

Yes - as an optional extra

Question 10

Care - IS abuse covered?

Answer 10

Yes as an optional extra

Question 11

Care - How high could you increase your PL/Prods Liability cover to?

Answer 11

£10Million

Question 12

Care - Is Malpractice covered as standard or an optional extra? And what does it cover?

Answer 12

Optional Extra - covers the liability for injury arising from an error or omission.
Limit is £5M

Question 13

Care - What does Abuse cover?

Answer 13

The liability of the care home for any actual or alleged abuse of the residents or visitors.

Question 14

Care - Is loss of registration covered?

Answer 14

Yes - as an optional extra

Question 15

Care - What does loss of registration cover?

Answer 15

Compensation for the reduction in the insured’s financial interest in the business if registration is loss for something out of there control.

Question 16

Care - How much cover do you get under loss of registration?

Answer 16

£50,000

Question 17

Care - IS engineering insurance and inspection covered?

Answer 17

Yes as an optional extra

Question 18

Care - What does engineering insurance and inspection cover?

Answer 18

Things such as passenger lifts which are subject tp statutory inspections.

Question 19

Care - Is trustee liability covered?

Answer 19

Yes as an optional extra

Question 20

Care - What does trustee liability cover?

Answer 20

Protects any trustees personal liability arising from a wrongful but not reckless or dishonest act.

Question 21

Care - Is goods in transit covered?

Answer 21

Yes as an optional extra

Question 22

Care - IS terrorism coverd?

Answer 22

Optional extra

Question 23

Care - Is personal accident covered?

Answer 23

Optional Extra

Question 24

Care - Fundamental standards for care homes and nursing homes were introduced by the Health and Social Care Act 2008 and associated legislation - what 3 things must all care homes have?

Answer 24

Safeguarding from abuse
Duty of Candour
Fit and proper staff