Direct Care Insurance
Insurance for those employing carers in their home
We understand that if you employ care staff – personal assistants or carers – either under the UK Government Initiative Scheme, through direct payments, personalisation or individual budgets or privately funded, 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 and public liability. - Silver £78.50
everything in Bronze, plus legal expenses. - 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 are here to help you
Our care insurance expert team is here to make sure you have the right level of cover to protect you, your business and your staff.
BUY COVER ONLINE, OR CONTACT OUR CARE TEAM FOR HELP
Arrange insurance online. For help choosing the right level of cover for you, call the care team today.
What protection do the three levels of direct care 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 £5 million per claim.
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. 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 Direct care Insurance, please read the Policy Summary and Policy Wording.
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.
A 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.