It is not uncommon for organisations in the care and charity sector to have multiple policies with multiple insurers, all covering different risks. This can cause problems if a claim falls between the gap of two different policies or if the two or more policies cover the same claim. Packaged cover is recommended for care providers to protect against the many claims situations that can arise as a result of alleged abuse.
Our infographic shows how a single allegation could lead to a number of claims requiring different insurance protection.
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