Independent Insurance Insight Gives Care Providers Total Peace of Mind

Many firms operating in the health and care sector prefer to use an independent insurance
broker because they need access to the full breadth of the care insurance market, rather
than a limited selection of schemes or products.
As operational pressures, regulatory scrutiny and financial constraints intensify across the
sector, care providers increasingly view independent insurance broking expertise as an
essential component of their risk management strategy, rather than a discretionary service.
Michael Jobson, from the health and care division of independent insurance broking and risk
management specialist TL Dallas, said: “Feedback from the hundreds of health and care
operators we work with tells us that independence genuinely matters. Providers want
brokers who understand the nuances of their operations, who have access to every insurer
in the market, and who can negotiate tailored cover rather than offering a pre-set scheme.
The sector is too complex, too tightly regulated, and too exposed to emerging risks for a
one-size-fits-all approach.”
Founded in 1919, TL Dallas is one of the UK’s longest-established independent insurance
broking and risk management companies and employs more than 220 people across 14
offices throughout the UK, between the Shetland Islands and London.
Within this national footprint, TL Dallas has developed a specialist focus on the health and
care sector. Its care division supports a wide range of organisations, including nursing and
residential homes, domiciliary care agencies, supported living services and complex
specialist providers.
Michael added: “Independence translates directly into choice, value and accurate risk
placement. Typically, many brokers can only offer a single scheme or a narrow panel of
insurers. By contrast, we have access to all major care insurance markets. This allows our
team of care specialists to perform a full market review for each client, assess the nuances
of their operations and negotiate policies that align precisely with their exposure profile.”
This approach has become more important over the past decade as the risk environment for
care providers has expanded beyond traditional areas such as property, liability and
regulatory compliance. Michael added: “In addition to these core risks, modern care

organisations must contend with complex employment issues, increased governance
expectations and the growing threat of cybercrime. That’s why we place significant emphasis
on covers that address the realities of modern care, and the two areas that really stand out
are Management Liability Protection (MLP) and cyber insurance.”
MLP, which protects directors and senior managers against claims relating to regulation,
governance or employment disputes, is becoming increasingly relevant given the heightened
scrutiny of the sector. Michael said: “Allegations relating to staffing, safeguarding or
compliance can have personal and financial repercussions for leadership teams. Ensuring
that senior decision-makers are protected is now viewed as a critical risk management
measure, not a discretionary add-on.”
Cyber insurance has also moved up the agenda. Michael added: “Care providers hold
sensitive personal and medical information, making them prime targets for ransomware
attacks and data breaches. Beyond the immediate technical response, cyber incidents have
the potential to disrupt service continuity and damage provider reputation. Comprehensive
cyber cover provides not only financial protection but also specialist support in the event of
an attack, which is an increasingly vital safety net.”
Despite this expanded risk landscape, TL Dallas stresses that the core principles of effective
care insurance remain unchanged. Michael said: “Each organisation requires tailored cover,
competitive pricing and clear explanations. The annual review process is as important as the
initial placement, ensuring that policies remain aligned with changes in the organisation’s
size, service mix, staffing model, or regulatory environment.”
Client feedback also reveals that health and care businesses value the simplicity and
transparency of working with an independent broker that acts exclusively in their interests.
Michael said: “Care providers tell us they appreciate the clarity we bring to the process. They
do not have time to contact multiple brokers or interpret competing quotes. They want
someone who can undertake a full market exercise, present clear options and provide
ongoing guidance throughout the year.
“These organisations are already under significant financial and operational pressure.
Insurance should not add to that burden. Our role is to reduce complexity, ensure accuracy
and give providers confidence that their risks are properly managed.”
As the care sector continues to evolve, TL Dallas anticipates sustained demand for
independent insurance advice grounded in specialist sector knowledge – and firms that have

an in-house claims team like TL Dallas are in demand. Michael concluded: “Our in-house
claims team gives peace of mind that when something bad happens there is a real person
on the end of the phone ready and waiting to help – not a call centre or online chat box!”
TL Dallas also works closely with other industry experts including solicitors, risk
management professionals and Care Quality Commission (CQC) advisors to provide a
wealth of knowledge and relevant guidance to clients.

Visit: www.tldallas.com/health-and-care-insurance or email [email protected] or
call Michael on 07534 360404 to book a complimentary review.