What is the Ocaso SMEs Care Homes insurance?

The staff working at nursing homes is always exposed to situations that could lead to claims. The most frequent ones are normally caused due to the disappearance of personal belongings, food poisoning or poor care.

To ensure you only have to worry about providing the best possible care to your residents, Ocaso SMEs Care Homes insurance includes specialised covers to protect against this type of situations.

What are its guarantees?

The basic guarantees of this insurance include damage caused by fire, smoke, rain, collision of vehicles, sound waves, acts of vandalism, damage caused during the course of legal strikes, floods, spills from automatic fire extinguishing facilities.

The policy also covers expenses arising from extinguishing fires, salvage, demolition and removal of debris, charges for licenses, permits, fees and professionals, and recharging of fire extinguishing equipment.

What are the main advantages?

Optional guarantees

This insurance offers the possibility of insuring against material damage caused by broken windows or mirrors, damage caused by water, burglary and robbery, civil liability, and loss of income.

And other types of risks can also be insured, such as electrical damage, to computers, deterioration of goods in cold chambers, or breakdown of machinery.

 

Guarantees

Standard Cover

Material damage insured
Material damage insured
Fire, explosion and lightning Smoke Damage Vehicle and aircraft impact Sonic waves Acts of vandalism, legal strikes and civil commotion Flood Leakage from automatic fire extinguishing equipment Rain, wind, hail and snow
Insured expenses
Insured expenses
Extinguishment of fires Salvage, demolition and rubble clearance Replacement of files, moulds and dies Licence expenses, permits and professional fees Refilling of fire extinguishing equipment
Other insured risks
Other insured risks
24 hours assistance Replacement cost as new Automatic revaluation and indexing of sums insured Automatic cover up to 10% Extraordinary risks

Specific Cover

Specific
Specific
Residents' belongings Sanitary ware Food poisoning

Optional Cover

Insured damage
Insured damage
Breakage of panes, mirrors, glass and signs Water damage including tracingss and repairing the breakage Theft and robbery Public liability, legal costs, deposits and bail Claims for damages Loss of profits
Other insured risks
Other insured risks
Electrical damage Damage to computers and electronic equipment Deterioration of merchandise in refrigerated rooms Transport of merchandise Cosmetic repair