Frequently Asked Questions
Home Employment Insurance

Policies can either be set up over the phone by the service user or the support worker setting it up on their behalf. The application form can also be emailed across to us or you can buy online.

There are no limits on the number of carers covered.

The employer is the person looking after the affairs of the person receiving care, this could also be the same person.

Yes. Whenever they are with the carer, either inside or outside the home, the insurance will still cover them.

Yes. As long as they are related and live at the same address.

Yes. We are able to send the policy documents to the employer or the authority who manage the account.

Payment can be made by either sending a cheque, making a BACS payment or paying over the phone with a credit/debit card. An annual direct debit can also be set up by the service user, the policy will automatically be renewed each year (reminder letters are sent a month before payment is taken) and service users don’t have to worry about the renewal.

We always send renewal reminders a month in advance to service users but we also offer a monthly spreadsheet option to support organisations, this shows a list of all service users whose policies are due to expire in the next month.

If a policy is cancelled 14 days after its set up a full refund will be given. After the first 14 days the refunds are done on a quarterly basis, unless a claim is in place.

MSL are our 24/7 legal advice helpline, they offer excellent and professional HR advice tailored to direct payments clients and they can help with any legal and/or employment queries you may have. This essential service can also be contacted by support teams and local authorities as well as our service users.

Our Business Development Managers are visiting various support organisations to give employment law training and pension training workshops. They are available for anyone to attend, completely free and are a half day course giving service users the knowledge to be able to employ successfully. There is also a free lunch provided!

Our new Home Employment Insurance with Healthcare is an extension of our existing Deluxe policy, it’s specifically designed for those receiving a Personal Health Budget or employing personal assistants to carry out healthcare tasks. It offers an additional £5m Public Liability cover should you be injured by one of your employees whilst doing a healthcare task or performing standard social care tasks.