This specialist insurance policy is designed specifically for those who are employing personal assistants to carry out healthcare tasks.
We work closely with customers, healthcare professionals and over 300 social care providers to protect people employing personal care assistants through the government's direct payments and personal budget schemes.
Employers' Liability (up to £10,000,000)
Protection if your personal assistants sustain injures or illness whilst working for you.
Public Liability (up to £5,000,000)
Covering claims against you if you have accidentally damaged someone or their property.
Cover for your legal expenses if you are taken to a tribunal by an employee.
Covering the cost of the sum awarded as a result of a tribunal.
Personal Accident (for you and your carer)
Compensation if you or your employee have an accident where the employee is responsible.
24 Hour Helplines
Our UK based helpline is always here for you should you ever need us.
No hidden admin fees
If you need to make a change to your policy we won’t sting you with any admin fees.
We do not require any contribution to a claim where other insurance policies might.
We believe in putting you first
Go paperless, download your schedule or buy and renew online.
If you need to make a claim you will talk to us not a third party.
Have a quick question but are unable to speak on the phone? Jump on our live chat .
Get exclusive access to a range rewards as a thank you for being with us.
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Unlike other insurers we wont charge you for small changes to your policy.
Its simpler than you think. and only takes minutes.
For a quote call
Mrs B Lowis
Mr Clifford g Darlington
Mrs Joan Atkins
Mr Leslie Norris
Mrs Sue Lowsley
Mr Neil Ripley
Mr Daniel Bell
Laure Faucon Swain
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For your quote you will need the following information to hand:
Details of the Care Providers
Location the care will be given
Below you can find useful downloads.
Home Employment Insurance with Healthcare Policy Wording
Home Employment Insurance with Healthcare Product IPID
What is the Healthcare policy?
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
How many carers are covered under one policy?
There are no limits on the number of carers covered with the Home Employment Insurance policy.
Who is classed as the employer?
The employer is the person looking after the affairs of the person receiving care, this could also be the same person.
Am I covered for redundancy?
Yes. Our Plus and Deluxe policy cover you for redundancy and the Deluxe also covers notice period. You must inform us as soon as possible and speak to our legal advice helpline before making the employee(s) redundant.
What is your cancellation process?
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.
How do we inform people about renewals?
We always send renewal reminders a month in advance to service users but we also offer an online portal for support organisations, they can log in at any time to renew or cancel managed account policies.
Still have an unanswered question? contact firstname.lastname@example.org
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