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.

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:

Legal expenses
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
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

Do I need Public Liability Insurance if I am self-employed carer?

 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.