Public Liability Insurance for Carers & Personal Assistants
Our liability insurance for carers covers you against claims arising as a result of your work as a carer or personal assistant.
Working as a Self Employed Carer comes with all of the usual perks that you would expect when running your own business, from choosing the hours that you work to having more control over the financial aspects of your job and also being able to pick your clients for yourself. On the other hand, there are many things that you need to consider when running your own care business, such as self-employed carer expenses like tax & insurance.
The effect that Carers and Personal Assistants have on an individual’s life is significant and the role is often rewarding, but it also comes with a range of risks, such as;
- Accidental Injury to any person in relation to your work (e.g. your client, a member of the public)
- Injury to yourself as a result of your work
- Loss or damage to property
- Allegations of negligence or abuse
We provide up to £5 million worth of public liability insurance for carers, with additional safeguards against claims for damage or loss of property & personal injury. The legal expenses element protects against liability for legal defence costs and a 24-hour Legal Advice Helpline should you need support.
What’s Covered By Self Employed Carers Insurance?
- Public Liability up to £5 million
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 - Loss of Property
You would be covered for personal belongings at work up to £250 as well as personal or user’s belongings as a result of you being mugged. Replacement of Keys & Locks up to £100 and damage to user’s property by forced access due to a medical emergency
- Personal Accident
If something should happen and you find yourself in hospital, you can claim up to £10 a day. - Legal Expenses up to £100,000
You are covered for advisers’ costs and legal defence against those who wish to pursue allegations of negligence or abuse. You will have access to Carers Legal Protection & 24/7 Legal Advice Helpline
Self Employed Carers Insurance Cover Levels
From £6.25
a month
- Public Liability up to £2M
- Personal Accident up to £7,500
- Personal Possessions up to £250
- Legal Expenses up to £100,000
- No Excess
- Plus More (See policy wording for full details)
From £7.91
a month
- Public Liability up to £2M
- Personal Accident up to £10,000
- Personal Possessions up to £250
- Legal Expenses up to £100,000
- No Excess
- Plus More (See policy wording for full details)
From £9.57
a month
- Public Liability up to £5M
- Personal Accident up to £12,500
- Personal Possessions up to £250
- Legal Expenses up to £100,000
- No Excess
- Plus More (See policy wording for full details)
Our Personal Assistant Insurance can cover you for a whole year from just £6.25 a month or you can opt for short-term carers insurance policies from £12.50 for the whole policy, making it an ideal and affordable option for those who require business insurance for carers.
You can choose which works best for you, just click the ‘Get a Quote’ button now!
Own a business that employs carers? Are you looking for Carer Employment 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 directly or indirectly from treatment of any kind (other than first aid), respite or medical care services
- Liability for any physical, verbal or written action that constitutes sexual abuse, molestation, bullying or harassment or results in mental anguish
- Liability arising from or caused by a deliberate or intentional act by, or omission
For any questions that you might have about this, please feel free to 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.
