An exclusive Insurance Policy tailored to include; Employers Liability, Public Liability & Legal Expenses cover for people receiving care through Direct Payments.

For people receiving financial support from the government, you can obtain personal health budgets as disability direct payments that allow you more freedom over the support you receive, for example;

• Arranging Personal Assistance with specialist expertise
• Ensure that the Personal Assist is fluent in the same language
• Opportunity to purchase things that offer independence such as Mobility Scooters and Wheelchairs.

If you have a Direct Payments funded personal assistant, you are regarded as an employer under UK law and have specific responsibilities to your employees. Things, like managing payroll, taxes and having the right insurance, are crucial things for you to consider.  Fortunately, you do have the option to appoint a third party to provide direct payments guidance, maintain your personal budget, payroll and insurance, if you would rather not have that extra responsibility. 

Whether you have a managed or un-managed personal budget, our policies provide the insurance cover that you are legally required to have if you employ Personal Assistants or Carers.

Our policy is comprised of Employers Liability, Public Liability & Legal Expenses, to provide comprehensive cover against potential claims risks such as;

• Claims against you in the event of injury to your employee
• Claims against you/your employee in the event of injury to you or a third party
• Claims against you/your employee as a result of damaged/lost property & more

With 3 different levels of cover with a range of benefits tailored to your needs with the aim to allow you to live life confidently. Some of these benefits are; emergency dental cover, motor theft, employee negligence, redundancy cover, travel, medical expenses & much more. 

We can also provide insurance for: 

• Self Employed Carers
• Employed Carers and Agencies 
• Mobility Scooter Insurance