Direct Payments Carer Insurance
Employers Liability, Public Liability & Legal Expenses cover for people receiving care via the direct payments scheme
For people receiving financial support from the government, you can obtain personal health budgets as disability direct payments that allow you more freedom of choice over the support you receive, for example;
- Arranging carers with specialist expertise.
- Ensure that the carer speaks the same language.
- Opportunity to purchase things that offer independence like Mobility Scooters, wheelchairs etc.
If you have a direct payments personal assistant, you are regarded as an employer under UK law and have specific responsibilities to your employees. Things, like managing payroll, taxes and having the right insurance, are critical things for you to consider. Some people that receive a carers personal budget would rather not have the extra responsibility; fortunately, you can appoint a third party to provide direct payments guidance, maintain your personal budget, payroll and insurance.
What’s Covered By Direct Payment Insurance?
- Public Liability up to £5m
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
Direct Payment Insurance Cover Levels
From £59
a year
- Employers Liability up to £10M
- Public Liability up to £5M
- Personal Accident up to £10,000
- Personal Possessions up to £250
- Legal Expenses up to £100,000
- Redundancy Cover
- No Excess
- Plus More (See policy wording for full details)
From £82
a year
- Employers Liability up to £10M
- Public Liability up to £5M
- Personal Accident up to £12,500
- Personal Possessions up to £250
- Legal Expenses up to £100,000
- Redundancy Cover
- Financial Loss
- No Excess
- Plus More (See policy wording for full details)
From £95
a year
- Employers Liability up to £10M
- Public Liability up to £5M
- Personal Accident up to £15,000
- Personal Possessions up to £250
- Legal Expenses up to £100,000
- Redundancy Cover
- 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.
Not an Employer? Are you looking for Self-employed Carer’s Insurance?
Funding & Employing your own carer/PAs? Are you looking for Home Employment Insurance?
Own a business that employs carers? Are you looking for Carer Employment Insurance?
Becoming a Partner
We currently work with over 100 local authorities and also arrange insurance directly with customers. We work with Payroll companies on an invoice basis, plus we provide dedicated fulfilment systems, and licensing to arrange insurance and we provide a dedicated account manager. We also provide full regulatory training for partners on all our Direct Payment Carers Insurance policies. To find out more, please contact us.
Can Someone Take Out a Policy on My Behalf?
Our Direct Payments Carer Insurance can be taken out by you or under your instruction by your chosen 3rd party. It is designed to protect you & your employee against claims that could arise in connection with you receiving care. The policy is comprised of employers liability, public liability & legal expenses, to provide comprehensive cover against potential claims risks such as;
- Claims against you in the event of injury to your employee.
- Claims against you/your employee in the event of injury to you or a 3rd party.
- Claims against you/your employee as a result of damaged or lost property & more.
Direct Payments Resource Centre
Our Direct Payments Resource Centre has been created to signpost service users and personal assistants towards a collection of helpful documents and guides. These resources can help service users recruit and manage their personal assistants (PAs). We also offer training guides and tools for personal assistants to improve their caregiving skills and better support the service users they assist.
