Employers Liability Insurance for Carers & Personal Assistants
For people with specific needs that require assistance in their day to day lives, there are few options to choose from when arranging support, such as; hiring a Personal Assistant directly or arranging for an organisation to provide care services.
As an employer, it is a legal requirement for you to provide insurance for your employees that protects their health & safety, this specific type of cover is called Employers Liability Insurance.
Our Carer Employment Insurance is specifically designed for the industry, incorporating employers liability insurance for carers, public liability insurance & legal expenses cover. This safeguards your business & employees against claims that could occur whilst they are caring for your clients. The specifics of each element are;
- Employers Liability which covers you, the employer, against claims in the event of injury to your employee as a result of their work.
- Public Liability which covers you & your employees against a wider range of claims in connection with their work, these claims can be made by your employee, your client or a third party. Some examples of these claims are; Accidental loss of property, Accidental damage to your employees property, Accidental injury to your client or a third party or loss/damage to their property.
- Legal Expenses which covers the potential costs of defending your employees legal rights, as well as your own, in a court of law as a result of an insured event. We also provide a 24/7 Legal Advice Helpline that we encourage full use of and an employment manual offering up-to-date guidance on the ever-changing topic of employment law.
What’s Covered By Carer Employment Carers Insurance?
- Public Liability up to £5m
Depending on cover level you will be covered for accidental injury to any person as well as loss or damage to any property. This cover would continue overseas up to 90 days available - Employers Liability up to £10m
Bodily injury (including accidental death) to any employee.
- Legal Expenses up to £100,000
Legal Expenses from employment disputes and compensation awards. Free Legal helpline including employment matters. Free Employment manual. - Healthcare Tasks
A wide range of healthcare tasks is automatically included as standard. Please see further details in our brochure here
Home Employment Carers Insurance Cover Levels
From £59.39
a year
- Employers Liability up to £10M
- Public Liability up to £1M
- Personal Accident up to £10,000
- Legal Expenses up to £100,000
- No Excess
- Plus More (See policy wording for full details)
From £69.39
a year
- Employers Liability up to £10M
- Public Liability up to £2M
- Personal Accident up to £12,500
- Legal Expenses up to £100,000
- Financial Loss
- No Excess
- Plus More (See policy wording for full details)
From £79.39
a year
- Employers Liability up to £10M
- Public Liability up to £5M
- Personal Accident up to £15,000
- Legal Expenses up to £100,000
- Financial Loss
- Notice Period Cover
- No Excess
- Plus More (See policy wording for full details)
With 3 different levels of cover with a range of benefits tailored to your needs with the aim to allow you to live life confidently. Some of these benefits are; emergency dental cover, motor theft, employee negligence, redundancy cover, travel, medical expenses & much more.
Our policies can cover you and one employee for a whole year from just £4.92 a month or you can opt for short-term carers insurance policies from £12.50 for the whole policy, making it the ideal liability insurance for people who employ & fund their own carers.
You can choose which works best for you, just click the ‘Get a Quote’ button now!
Not an Employer? Are you looking for Self-employed Carer’s Insurance?
Receiving Direct Payments? Are you looking for Direct Payments Carer Insurance?
Funding & Employing your own carer/PAs? Are you looking for Home Employment Insurance?
What’s Not Covered?
We aim to be as clear and transparent as possible, please ensure that you read the policy wording and have a good understanding of what is and what is not covered. A few examples of events that are not covered are;
- Personal accident not involving bodily injury
- Liability arising from or caused by a deliberate or intentional act by, or omission.
- Liability for any act which is deemed to be criminal by any competent authority
- Liability for any physical, verbal or written action that constitutes sexual abuse, molestation, bullying or harassment or results in mental anguish
For any questions that you might have about this topic, please feel free to contact our customer services department by visiting our help centre or contact our customer services department by telephone on 01268 200 020.
Why Choose Surewise?
1
Our Prices
Being able to offer the most comprehensive cover at the lowest price is our top priority.
2
Our Product
Our close relationship with our underwriters, sagic, allows us to create specialist insurance products and provide an ethical claims-handling process.
3
Transparency
We offer pro-rata refunds, so you can cancel your policy within a minimum of 30 days’ notice and receive a refund.
4
Easy Payment Options
Options to pay with credit or debit cards, including AmEx, by Google Pay or Apple Pay, either online or by telephone. You can decide whether to pay for your policy annually or monthly.
5
At Your Service
Our dedicated team of customer service agents are based in Essex, so you can always talk to an expert about your policy.
Our Underwriters
Our Carers policies are underwritten by The Salvation Army General Insurance Corporation Ltd (sagic). Sagic are owned by The Salvation Army and support the diverse work of the renowned global charity. This means when you buy a policy, you will help fund vital community projects across the UK.
