Employers Liability Insurance for Carers & Personal Assistants
Our Home Employment Insurance protects You & your Carer or PA against claims made as a result of your care.
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 Self Employed Carer, paying an organisation to provide care services or hiring a Personal Assistant directly.
Whether you receive support from the government or fund your own care, directly hiring one or multiple PAs/Carers means that you are regarded as an Employer under UK Law. This means 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 Home Employment Insurance incorporates employers liability insurance for carers, public liability insurance & legal expenses cover, safeguarding you and your employees against claims that could occur whilst they are at work. The specifics of each element are;
What’s Covered By Home Employment Carers 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
Home Employment Carers 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 of allowing you to live life confidently. Some of these benefits are; emergency dental cover, motor theft, employee negligence, redundancy cover, travel, medical expenses & much more.
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?
Employ Carers to provide care services? Are you looking for Carer 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.
