Direct care insurance
Why do you need a direct care insurance specialist?
Having appropriate cover for when the unexpected happens is the main point of insurance, and no less so for people who employ a carer to help them at home.
Our 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.
We offer three levels of cover to give you flexibility, all of which include the following:
- protection should your carer or personal assistant cause you injury whilst working for you
- cover in the event of the theft of your belongings (including cash) by a carer or personal assistant
- cover for the additional costs incurred should your carer or personal assistant fail to attend
- access to a customer service helpline 24 hours a day, 7 days a week.
How our specialist direct care insurance experts can help you
We offer specialist advice and guidance for the care sector to ensure your business is properly protected. We can help you insure your business to cover what matters most and those who matter most to you. With a range of specialities across the team, we are in place to help.
GET IN TOUCH WITH A CARE INSURANCE EXPERT
Need expert advice? Call the care team now, or complete our online form and we’ll call you.
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)
Read the latest care sector stories from our knowledge centre
The care sector is experiencing a carer shortage caused by three main factors; Brexit, care budgets and an ageing population. So how do you attract more carers to your business?
It’s vital for the health of your care business to have plans in place to respond to a disaster situation or a potential security threat. The consequences of a disaster can be severe if you are not properly prepared.