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.
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.
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?
Why choose us?
These are just a few reasons to choose our policies.
We want to help you be protected from unexpected and provide you with:
- A hassle-free, simple quote process.
- Manage your policy online in your ‘My Account’.
- No hidden fees or credit card charges.
- Freedom if you want to cancel your policy at any time.
We currently work with over 70 local authorities and also arrange insurance directly with customers. We work with Payroll companies on an invoice basis, plus we provide dedicated fulfilment systems, 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.
Our policies change lives.
All 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.
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.