Why Should Carers Have Insurance?

Female Care Worker Visiting Senior Woman At Home

Carers play an important part in the community and make a huge difference in people’s lives.  From assisting someone with mobility issues getting out of bed and helping them with their personal care and medication, to running everyday tasks such as shopping and preparing meals, the role of a carer is varied and unceasing.

Carers are people who give – and people who give can easily forget how important it is to take care of themselves, too. However, the reality is that accidents can happen while working as a carer that could cause long-term illness or injury, or damage your property. That’s why having an insurance policy to protect you should something happen is so essential.

In this guide, we’ll highlight why carers need insurance, and what carer’s employers (whether an agency or hiring a carer via direct payments) need to know.

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. 

Who needs carers insurance?

Carers insurance cover is for:

  • Self-employed carers
  • Individual employers
  • Carer and Personal Assistant businesses
  • Care arranged via Direct Payments

Top benefits of Carers Insurance

So you know who needs carers insurance, but you might still be asking yourself why the added expense is necessary? Here are some of the key things a carers insurance policy will cover you for.

Public Liability

Public liability insurance protects you if a mistake is made, like administering incorrect medication or causing injury to somebody whilst caring for them.  Public liability insurance covers you for: 

  • Accidental injury to any person
  • Loss of or damage to any property

Personal Effects/Loss of Property

This aspect of the Carers insurance policy covers loss or damage to your belongings etc while doing your job and may cover you for:

  • loss of or damage to personal belongings at work
  • personal or user’s belongings being stolen
  • key & lock replacement
  • damage to user’s property by forced access due to a medical emergency

Personal Accident

The Personal accident side of the policy would cover you if you have an accident while working as a carer – e.g. a back injury while lifting the person you are a carer for. 

This can include things such as:

  • overnight hospital stay for yourself due to bodily injury
  • permanent total or partial disablement
  • bodily injury including accidental death

Protects your legal rights arising out of allegations of negligence or abuse arising out of your employment as a carer. 

Each policy varies depending which company you decide to insure with but generally, these are the things covered under this section:

  • Legal defence and costs in case of allegations of negligence or abuse
  • Carers legal protection & 24/7 Legal Advice Helpline

Care Home Requirements 

If you are employing Carers in any capacity then it is a legal requirement for you to provide insurance for your employees that protect their health & safety, this specific type of cover is called Employers Liability Insurance.  

Employers’ liability insurance is one of few compulsory insurances. Companies that employ one or more members of staff, whether paid or volunteers, require this cover.

Employers’ liability policies cover claims made against your company in the event of accident, injury or illness sustained by your staff at work or as a result of work.