Self-employed carers insurance

Any business that has employees, whether full-time, part-time, or temporary, is required to have employers liability insurance. It provides coverage for claims made by employees who suffer injury or illness as a result of their work.

In the UK, it is a legal requirement and mandated by the Employers' Liability (Compulsory Insurance) Act 1969.

While self-employed individuals without employees do not need this insurance, those who hire subcontractors or have staff must obtain it.

If a business has volunteers or family members helping out without formal employment, they may not be covered under the employers liability insurance, but it could be wise to consider coverage for them as well.

No. Once your renewal date has passed, you will need to purchase a new policy, which can be done online or over the phone. If you experience problems taking out a new policy online, please let us know. It's important to know that you will have a gap in cover if you do not renew your policy in time. This means if a claim arises for the time you did not have insurance in place, it would not be covered.

Yes. All new policies sold online and renewals can be paid for within the portal by Debit and Credit Card.

No. This policy must be paid for in full at the time of taking out the policy.

To access your documents, simply log into your Account, click on "Your Policies" and then select the "View" button  on the policy. From here you can download the document if needed.

Please note that under your account, there is a button titled "Documents". This button is for uploading documents and not for accessing your policy documents.

Log-in to the portal. 

The portal enables us to be more environmentally friendly as we reduce the amount of printed policies and adopt a digital approach. 

No, our policy doesn’t cover insurance to take clients out in either your own or the care recipient’s car.  It is your responsibility to ensure you have the correct insurance in place with your car insurance provider.

If you continue to experience problems please call us on 0330 828 6392.

Yes. Your policy will not automatically renew, but we will write to you or email you 28 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. 

If we have failed to make contact with you prior to the renewal, please check your documentation carefully in case there has been a change to your circumstances to prevent accidental underinsurance or a gap in cover.  

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 0330 828 6392 prior to the date of renewal and one of our Team will be happy assist you.

The £25 fee (or £10 fee when issuing duplicate documents by post) covers the administration of the policy for setting it up, either via the phone or via our quote and buy website, renewing it, issuing documents and referrals to the insurer where applicable. The £25 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 care@marshcommercial.co.uk.

The self-employed carer insurance policy is designed for self-employed individuals who are not employing anyone else to work with them.  If you are registered as a limited company and do not employ any carers, the policy can only be taken out by calling us and is subject to the agreement of the insurance underwriter, Zurich Insurance Company LTD. An administration fee of £25 would be applied to the premium.

Your policy documents can be posted to you but please note there is an administration fee of £10 payable prior to issuing the documents by post. This can be paid by card over the phone, by cheque, or by bank transfer. To find out more about our fees, please see section 2.5 of our Terms of Business.

The email address you provide can only be registered against one policy. If you need to set up a second policy online a different email address needs to be used. However, a second policy can be set up over the phone without the requirement of an email address.

If you need an email address updated, changed or removed in order to continue, please call us.

We will refer all cancellation request to the insurer, Zurich Insurance Company Ltd, who may agree a refund is payable subject to any claims, claim notifications, and the time the policy has been in place.

A "To Whom It May Concern" certificate of insurance is a document that provides proof of insurance coverage to a third party. This type of certificate is often requested by individuals or organisations that need verification of a business's insurance policies, typically for purposes such as contracts, leases, or compliance with regulations. 

It is important to note that a certificate of insurance is not a contract and does not alter the terms of the insurance policy. It merely serves as evidence of coverage and does not guarantee that a claim will be paid.

The TWIMC Certificates have to be manually generated and in adherence with the levels of cover that you have purchased and are available upon request. Should you wish to receive a TWIMC, please contact us on 0330 828 6392.

The knowledge that experienced claims professionals will support you is just as important as the policy cover.

Our dedicated in-house claims team will be by your side, fighting your corner from start to finish. We promise to be there when it matters most.

Make a claim.

Alternatively you can call us on 0330 818 7677, and speak to our team of experts who will be on hand to provide the best solution and guide you through the next steps.

Should you have any further enquiries, call an one of our dedicated team experts now on 0330 828 6392.