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.

What is covered?
Have a look at the main coverage
Public Liability up to £5m
- Accidental injury to any person.
- Accidental loss of/or damage to material property.
- Indemnity to other people (including principals).
- Damage to rented, leased, hired or borrowed properties for your activities.
- Overseas Personal Liability including bodily injury to any person or damage to material property.
- Employee’s liability in case of death, bodily injury, illness or disease to you.
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

What is 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 around this topic, please feel free to contact our customer services department by visiting our help centre.
Some frequently asked questions
Is Home Employment Insurance necessary if I have employed the carer to care for me only?
Yes. If your carer or personal assistant falls under your direct employ and is not outsourced or self-employed then employer’s liability insurance is essential. This is one of the key benefits of our Carer’s Employer insurance.
Is Employers Liability Insurance for carers a legal requirement?
Yes. If you employ your carer directly, you will need to have Employers liability insurance which is included in our Home Employment Policy.
Am I covered if I make my employee redundant?
Yes, we cover redundancy on all our policies, up to £7000 on our Gold cover. Please note in order to be entitled to redundancy cover, your employee would have to have been employed by you continuously for a minimum of two years.
Where can I get information regarding my rights and responsibilities as an employer?
When you purchase our Carer’s employers insurance policy, you automatically benefit from our free Legal Helpline, which will provide you with the answers you need.
Do I need to pay any excess when I claim?
No, this policy has no excess.
When can I first claim on this policy?
You can make a claim immediately from the start date of your policy.