Carer Employment Insurance

Employers Liability Insurance for Businesses that Employ Carers

Our Carer Employment Insurance protects your business, your employee & your clients against claims made as a result of their care.

For people with specific needs that require assistance in their day to day lives, there are few options to choose from when arranging support, for example hiring a Personal Assistant directly or arranging for an organisation to provide care services.

Hiring a PA or Carer directly means that the person receiving care is regarded as an Employer under UK Law, which comes with a large amount of responsibility falling on the client or their nominated guardian. For this reason, many people opt to appoint care businesses to provide payroll & care services, as this relieves the client or nominated person from the burden of being an employer.

As an employer, it is a legal requirement for you to provide insurance for your employees that protects their health & safety, this specific type of cover is called Employers Liability Insurance.

Our Carer Employment Insurance is specifically designed for the industry, incorporating employers liability insurance for carers, public liability insurance & legal expenses cover. This safeguards your business & employees against claims that could occur whilst they are caring for your clients. The specifics of each element are;

• Employers Liability which covers you, the employer, against claims in the event of injury to your employee as a result of their work.
• Public Liability which covers you & your employees against a wider range of claims in connection with their work, these claims can be made by your employee, your client or a third party. Some examples of these claims are; Accidental loss of property, Accidental damage to your employees property, Accidental injury to your client or a third party or loss/damage to their property.
• Legal Expenses which covers the potential costs of defending your employees legal rights, as well as your own, in a court of law as a result of an insured event. We also provide a 24/7 Legal Advice Helpline that we encourage full use of and an employment manual offering up-to-date guidance on the ever-changing topic of employment law.

Our policies can cover you and one employee for a whole year from just £4.92 a month or you can opt for short-term carers insurance policies from £12.50 for the whole policy, making this the ideal liability insurance for people who employ & fund their own carers.

Our Policies Change Lives

SAGIC who are owned by The Salvation Army underwrite all the carers insurance policies and are the only insurer to return 100% of their profit to charity, not to shareholders. When you purchase your insurance policy with us, you’ll not only be protecting yourself with a comprehensive policy for your needs, but you’ll also be helping to raise much-needed funds for The Salvation Army to help people in need and vital community projects across the UK.

Insurance cover includes:

• Public Liability up to £5m
• Accidental injury to any person
• Accidental loss of/or damage to material property
• Indemnity to other people (including principals)
• Damage to rented, leased, hired or borrowed properties for your activities
• Overseas Personal Liability including bodily injury to any person or damage to material property
• Employee’s liability in case of death, bodily injury, illness or disease to you
• Bodily injury (including accidental death) to any employee
• Personal Effects up to £250 as a result of an insured event
• Employers Liability up to £10m
• Up to £100,000 legal cover
• Free Legal helpline including employment matters
• Free Employment manual