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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.

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

Q
Do I need public liability insurance if I am self-employed carer?
A

 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.

Q
Do I need to provide the carer’s details? 
A
No. To take out a Direct Care insurance policy, we don't need to know who cares for you. 
Q
Who’s name does the policy need to be under? 
A
The policy needs to be in the name of the person responsible for directing the carers in their duties, and arranging the carers pay and tax. This can be the care recipient, a parent, a guardian, other relative or trust. Please note we may ask for a power of attorney or list of trustees to be provided to effectively manage the policy.
Q
Do our carers need insurance as well? 
A
Carers also need to make sure they have insurance in place to cover any claims that are made against them personally. It is therefore advisable that your carer has their own public liability policy to protect themselves. We can also provide individual carers insurance for your carers via our website, or they can call us on 0113 350 8712.

Q
Will the policy cover me if I have a slip or an accident? 
A
Personal accident cover (included in the Gold Package only) must be selected to cover an accident – depending on the circumstances and the injury. Please refer to the policy wording for the full table of benefits and exclusions. There is also an age limit of 90 years. 
Q
My policy is due to renew. Do I need to do anything?
A
Yes. Your policy will not automatically renew, but we will write to you or email you 30 days before your renewal date. We can't automatically take a payment to renew your policy because we don't hold bank or card details, so you must confirm if you want your policy to continue. Payment must be made before the renewal date online, over the phone, or by bank transfer. Please don't assume your policy has been renewed until you have received confirmation in writing from us. If you are concerned about your policy, please call us on 0113 350 8712.
Q
It's passed my renewal date. Can I still renew the policy?
A
No. Once your renewal date has passed you will need to purchase a new Gold, Silver or Bronze package policy. This can be done online or over the phone. If you experience problems taking out a new policy online, please let us know. If you do not renew your policy in time you will have a gap in cover. This means should a claim arise for the time you did not have insurance in place, the claim would not be covered. 
Q
I'm struggling to set up a policy on my phone
A
If you continue to experience problems please call us on 0113 350 8712.
Q
I've taken out a policy but no longer need it. Can I cancel the policy?
A
The Direct Care 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 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.

Q
A third party is looking after my funding and paying the insurance premium. Can I still take out a policy?
A
Yes. Setting up a policy online requires payment at the time of inception, in order for us to invoice your payment group please call us on 0113 350 8712 to set up the policy.