Direct Care Insurance
Insurance for those employing carers in their home
The direct care product has been designed for individuals who employ personal assistants or carers under the UK Government Initiative Scheme, receive direct payments, personalisation or individual budgets or privately fund the employment of carers or personal assistants.
If you employ home help, we offer three levels of cover ‒ all available to buy online today. Prices include Insurance Premium Tax (IPT) at the current standard rate.
- Employers liability insurance,
- Public liability insurance,
Silver £78.50 (annually)
Everything from the Bronze package, plus:
- Legal expenses,
Gold £88.50 (annually)
Everything from the Silver package, plus:
- Personal accident.
Important DocumentsCommunicable disease exclusion endorsement
Buy or renew your insurance online
For advice on what level of cover you need, call our care team on 0113 350 8712.
To buy online, select the level of cover below:
Bronze cover package
Our bronze cover package includes:
Employers liability insurance
Up to £20 million per claim, if you are found to be legally responsible for an injury your carer or personal assistant incurs, whilst working for you.
Public liability insurance
Up to £5 million per claim if you, or your carer or personal assistant, are held legally liable for the injury or death of another person or damage to their property.
£62.50 (annual premium)
Silver cover package
For added protection choose silver cover which includes everything in the bronze package plus:
If you enter into a dispute with your carer or personal assistant you may need professional advice and possibly legal representation, particularly if the dispute went as far as an industrial tribunal.
Our silver package includes up to £100,000 of legal expenses which covers policyholders against the potential costs of legal action brought by or against them.
£78.50 (annual premium)
Gold cover package
For even greater protection choose gold cover which includes everything in the silver package plus:
Personal accident cover is available up to age 90 if you or your carer or personal assistant suffers an accident whilst in the course of employment.
It provides the following benefits:
• £10,000 in the event of death
• up to £10,000 in the event of permanent loss of sight or limbs
• £500 fracture benefit
£88.50 (annual premium)
Frequently asked questions
Yes. We would advise any business to hold such cover, whether you occupy a premises or whether you are working away, or visiting someone’s home.
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