What is Carers Insurance?
Carers Insurance is a policy that protects Home Carers, Personal Assistants, or the carer’s employer. It offers liability cover in case of accidental property damage, injuries or legal expenses. Each policy is different, depending on whether it covers the self-employed carer, a carer agency or the carer’s employer.
Carers & Personal Assistant Insurance
Employers Liability Insurance, Legal Expenses & Public Liability Insurance for Carers & Personal Assistants
Providing professional care can be hard work, but there are not many careers that are more fulfilling than working in care.
Carers & PAs help individuals with specific needs in numerous aspects of their day to day lives. By providing emotional, physical & mental support, they aim to promote happiness and well-being while enabling those in their care to live life as independently as possible. However, as with any other profession, caring for people is not without risks with many potential scenarios and accidents that can happen.
Our range of Carers Insurance policies protects PAs & their employers from being liable for certain claims that may occur in relation to their work.
We provide cover for;
- The self-employed carer
- Individuals employing their own carers
- Businesses that hire personal assistants and carers to provide care services
- Organisations that arrange care and provide services such as direct payments, budgeting, payroll etc.
Please select the policy which is most suitable for your needs from the boxes below;
Self Employed Carer Insurance
Protection against claims for self-employed carers
For more information on this policy, please visit the following page: Self Employed Carer Insurance
Key Cover Elements;
✓ Public Liability Insurance up to £5 million
✓ Loss or Damage to Property
✓ Personal Accident
✓ Legal Expenses
Direct Payments Carer Insurance
Protection against claims for employers & carers arranged through direct payments
For more information on this policy, please visit the following page: Direct Payments Carer Insurance
Key Cover Elements;
✓ Employers Liability Insurance up to £10 million
✓ Public Liability Insurance up to £5 million
✓ Employment Law Guide
✓ Legal Expenses
✓ Redundancy Cover
Home Employment Insurance
Protection against claims for employers & their carers arranged and funded by themselves
For more information on this policy, please visit the following page: Home Employment Insurance
Key Cover Elements;
✓ Employers Liability Insurance up to £10 million
✓ Public Liability Insurance up to £5 million
✓ Employment Law Guide
✓ Legal Expenses
✓ Redundancy Cover
Carer Employment Insurance
Protection against claims for businesses that employ carers
For more information on this policy, please visit the following page: Carer Employment Insurance
Key Cover Elements;
✓ Employers Liability Insurance up to £10 million
✓ Public Liability Insurance up to £5 million
✓ Employment Law Guide
✓ Legal Expenses
Domiciliary Care Insurance
Protection against claims for individuals that perform Domiciliary Care tasks only
For more information on this policy, please visit the following page: Domiciliary Care Insurance
Key Cover Elements;
✓ Personal Accident
✓ Public Liability Insurance up to £5 million
✓ Loss or Damage to Property
✓ Legal Expenses
Public Liability Insurance for Carers
Public Liability Insurance is a key insurance product for carers. It can cover you if you have a claim for compensation from a client or another third party. It can also cover you if your client receives an injury during your care work. Typical Public Liability Insurance for Carers policy limits range from £1 million to £5 million.
Why buy this policy from us?
Our carers insurance is 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.
