Direct payments carer insurance provides protection for carers employed through direct payments schemes. It covers employment liabilities, public liabilities, legal costs, and other risks associated with managing and supporting carers paid directly by individuals or families.
SynergiseUK helps find suitable policies tailored to this unique employment situation.
Who Is It For
Direct payments carer insurance is suitable for:
- Individuals using direct payments to employ carers
- Families organising care through direct funding
- Property owners who are a Homeowner, Landlord, or Tenant with carers on premises
- Anybody involved in Buying or Selling within care environments
What Does It Cover
- Employer’s liability for directly employed carers
- Public liability for carers entering client environments
- Legal costs for employment disputes
- Optional professional indemnity
- Accidental injury claims involving carers
- No Excess
- Public Liability Insurance up to £5 million
- Loss or Damage to Property
- Personal Accident
- Legal Expenses
- Employers Liability Insurance up to £10 million (For those directly employed)
- Free Employment Law Guide (For those directly employed)
- Redundancy Cover (For those directly employed)
- Accidental injury to any person
- No Hidden Fees
Why Choose This Insurance
- Designed for direct payment employment structures
- Helps meet legal obligations as an employer
- Protects financially against claims and disputes
- Supports carers and clients with peace of mind
This policy is underwritten by SAGIC being The Salvation Army General Insurance Corporation, which are wholly owned by The Salvation Army. This means when you buy this policy from some of our providers, you will be helping The Salvation Army support people in need and gives you an ethical, trustworthy underwriter to look after you in the event of a claim.
Important Considerations
- Confirm your legal responsibilities under direct payment schemes
- Understand liability if carers work in client homes
- Check limits for legal defence and tribunal costs
- Clarify what aspects of care are covered
Protect Your Direct Payment Carers Today
Secure tailored cover for carers employed via direct payments.
SynergiseUK connects you with insurers experienced in direct payment and care employment insurance.
Frequently asked Q&A's
It’s specialist cover for carers employed using Direct Payments or Personal Budgets, providing legal and financial protection for employers and carers.
Yes, most councils require Employers’ Liability cover if you use Direct Payments to employ a carer.
It includes Employers’ Liability, public liability, legal expenses, and protection against claims from carers.
Anyone using Direct Payments or a Personal Budget to employ a PA, support worker, or carer.
Yes, you can insure multiple carers under one policy.
Yes, it covers compensation, medical bills, and legal fees.
Yes, it’s valid regardless of how many hours your carers work.
Yes, policies meet UK legal obligations for Direct Payment care arrangements.
The policy covers employer liabilities, potential compensation, and legal representation.
Yes, councils will accept policy documents as proof of compliance.
Pricing depends on the number of carers and cover levels but is designed to be affordable for families.
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