Direct Payments Carer 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)

Direct Payments Carer Insurance

Employers Liability, Public Liability and Legal Expenses cover for people receiving care via the direct payments scheme

This policy is ideal for people receiving financial support from the government, where you can obtain personal health budgets as disability direct payments that allow you more freedom of choice over the support you receive, for example;

  • Arranging carers with specialist expertise
  • Ensuring that the carer speaks the same language
  • Opportunity to purchase things that offer independence like Mobility Scooters, wheelchairs etc

If you have a direct payments 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 critical things for you to consider. Some people that receive a carers personal budget would rather not have the extra responsibility; fortunately, you can now appoint a third party to provide direct payments guidance, maintain your personal budget, payroll, and insurance, to make life easier for you.

Our Direct Payments Carer Insurance can be taken out by you or under your instruction by your chosen 3rd party. It is designed to protect you and your employee against claims that could arise in connection with you receiving care. The policy is comprised of employers liability, public liability and 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 3rd party
  • Claims against you/your employee as a result of damaged or lost property and more

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.

Further benefits to include:
  • UK Call Centre
  • 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
  • Up to £100,000 legal cover
  • 24/7 legal assistance helpline
  • A wide range of healthcare tasks is automatically included as standard
  • Free Legal helpline including employment matters
  • Free Employment manual

Get a quote for your Direct Payments Carers Insurance policy by simply clicking on the below button

SynergiseUK Limited is an Appointed Representative (Firm Number 915896) of Sure Wise Limited, for this policy.

Sure Wise Limited who are authorised and regulated by the Financial Conduct Authority (FCA). FCA Firm reference Number is 618327.