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.
Frequently asked questions
The carer employer policy can be cancelled within 14 days of taking out or renewing the policy. A full refund will be given at this time, providing no claims have been notified or made on the policy.
A pro-rata refund would be available after 14 days of taking out or renewing a policy. This will be subject to the agreement from the insurer, Zurich Insurance PLC., and the days and time the policy has been in place and paid for.
If you take out or renew a policy online you are receiving a non-advised policy. This means you have not received any advice from Marsh Commercial regarding the policy or level of cover. You policy and the documents are processed automatically so no administration fee is charged.
When you take out or renew a policy over the phone, you are receiving advice from us regarding the policy and levels of cover, and therefore have an advised policy. The £15 fee (or £10 fee when issuing duplicate documents by post) covers the administration of the policy for setting it up, renewing it, issuing documents manually and referrals to the insurer where applicable. The £15 admin fee is also required for these reasons by payments made via BACS or cheque.
Our policy on charging fees can be found in our Terms of Business. You will receive a copy of our Terms of Business if you take out a policy, or you can request this from us by emailing email@example.com