Carer employers insurance

Insurance for those employing carers in their home

We understand that if you employ personal assistants or carers in your home for yourself or on behalf of someone else either through direct payments, personal budgets, private funding or self-funding, you will face various daily risks.

We're here to arrange insurance to protect you from these risks, with three levels of cover available*:

• Bronze £62.50
  includes employers liability, public liability, and access to a 24/7 legal advice helpline
• Silver £78.50
  everything in Bronze plus legal expenses including redundancy
• Gold £88.50
  everything in Silver plus personal accident.

* Prices based on annual premiums including Insurance Premium Tax (IPT) at the current standard rate.

We care about care, and our team of experts is here to help you

Our dedicated carer employer insurance team is here to make sure you have the right level of cover to protect you and your staff. You can buy online by clicking “Get a quote” below, or call us and we will talk you through the cover you need.

What protection do the three levels of carer employer insurance offer?

Bronze cover is only £62.50 per year and includes:

• Employers liability insurance
  If your carer or personal assistant suffers an injury whilst working for you, and you are responsible, employers liability will cover any compensation due and legal fees incurred – up to £20 million per claim.
• Public liability insurance
  If you, your carer or your personal assistant are liable for the injury or death of another person or damage to their property, this insurance will cover costs up to £20 million per claim.
• Access to a 24/7 Legal Advice Helpline
  A helpline providing legal advice regarding a variety of topics including employment disputes, contract disputes, redundancies and termination.

For added protection Silver cover is only £78.50 per year and includes everything in the bronze package plus:

• Legal expenses
  If you enter into a dispute with your carer or personal assistant, you may need professional advice and legal representation, especially if the dispute results in an industrial tribunal. Our silver package includes cover for up to £100,000 of legal expenses including compensation awards for redundancy. For more detailed information, please read the Commercial Legal Expenses Insurance product information.

For even greater protection Gold cover is only £88.50 per year which includes everything in the silver package plus:

• Personal accident
  This cover is available up to age 90 if you or your carer or personal assistant suffers an accident whilst in employment. It provides £10,000 in the event of death, up to £10,000 in the event of permanent loss of sight or limbs, and £500 fracture benefit. For more detail, please read the Personal Accident Insurance product information.

For more detailed information about Carer Employer Insurance, please read the Policy Summary and Policy Wording.