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Self Employed Carer Insurance

As a self-employed live in carer, you make a big difference in someone else’s life with a job role that can be physically and emotionally demanding.

With any responsibility, you try to minimise risks. Still, mistakes can be made, and this is why it’s highly recommended you protect yourself against these potential risks you face daily with a policy like our live in carer insurance.

We understand the complexities of the work you do. Our live in carers Insurance from our trusted partner protects you if a mistake is made, like administering incorrect medication or causing injury while caring for somebody.

The public and self-employed liability insurance give you cover should you face a compensation claim due to an error or omission.

Live In Care have teamed up with Surewise to offer Self Employed Carer Gold Insurance.

Being a Self Employed Carer comes with all of the usual perks that you would expect when running your own business, from choosing the hours that you work to having more control over your job’s financial aspects and being able to pick your clients for yourself.

On the other hand, there are many things that you need to consider when running your own care business, such as self-employed carer expenses like tax & insurance.

Micro Provider Carer Insurance

The effect that live in carers, micro providers, and personal assistants have on an individual’s life is significant, and the role is often rewarding, but it also comes with a range of risks, such as;

  •       Public Liability
  •       Accidental Injury to any person concerning your work (e.g. your client, a member of the public)
  •       Injury to yourself as a result of your work
  •       Loss or damage to property
  •       Allegations of negligence or abuse

They provide £5 million worth of public liability insurance for carers, with additional safeguards against claims for damage or loss of property & personal injury (£12,500). The legal expenses element (£100,000) protects against liability for legal defence costs and a 24-hour Legal Advice Helpline should you need support.

We have negotiated with Surewise the gold level of cover for an annual price of £95, compared to the usual price of £115.00 – an annual saving of £20.00 for the best insurance cover. If you wish to purchase this policy, then click on the Surewise link here.

Surewise Gold Level Carer Insurance – Benefits include:

Activities & Duties Covered

  • Personal care including; preparing, serving and feeding food or drink, bathing, dressing, moving and handling.
  • Administering of prescribed medicines and first aid.
  • General domestic duties including; shopping and basic maintenance, and gardening tasks.
  • Looking after the client’s domestic pets or children (or other children for whom the client is responsible) provided that these tasks form only a minor part of the overall work carried out for that client.
  • Accompanying any client on social, domestic or pleasure trips.

Other Cover Highlights

  • No Excess!
  • Permanent total disablement (such as loss of sight or loss of use of your back)
  • Permanent partial disablement (such as loss of sight or loss of use of your back)
  • Costs in legal action to defend Your legal rights arising out of allegations of negligence or abuse arising out of your employment as a carer.
  • The cost of replacing the keys and locks to external doors of any client’s home following loss or theft of the keys.
  • Accidental loss or damage to your personal effects whilst you are in the course of your employment.
  • Accidental damage to any client’s property by you due to forced access to their home solely to deal with a medical emergency.

Surewise is a trading name of Sure Wise Limited, authorised and regulated by the Financial Conduct Authority (FCA). FCA Firm Reference Number is 618327.

What Our Carers Say About Our Live In Carer Insurance:

 

Live In Carer Insurance Frequently Asked Questions

What is live in carer insurance?

Self Employed Live in carers require public liability insurance and personal accident cover. This includes legal costs and expenses; accidental bodily damage and accidental damage to property.

What is public liability insurance?

When you are caring for a person, you may be legally liable should they suffer a loss or be injured as a result of the actions of the person in your care. Public liability insurance protects Live-in carers from potential claims arising from personal injury or property damage to a third party as a result of alleged negligence on your part.

How much is self employed carer insurance?

The average UK annual public liability insurance premium for self employed live in carers costs £115,00 but our insurance deal is just £95.00 per year This can be reduced to a more manageable level through discounts that we have negotiated for all of our carers.
Live In Carer Insurance
Living Carers

TEL: 0800 772 3567

Live In Carer Insurance

Live In Care Areas That We Cover

UK Areas:

Live In Carer Insurance Berkshire

Live In Carer Insurance Berkshire

Live In Carer Insurance Berkshire from Bracknell to Reading, Slough to Windsor and Wokingham to Newbury

Live In Carer Insurance Bristol

Live In Carer Insurance Bristol

Live In Carer Insurance Bristol, from Ashley to Bishopston, Cabot to Easton and Hillfields to Lawrence Hill

Live In Carer Insurance Cornwall

Live In Carer Insurance Cornwall

Live In Carer Insurance Cornwall, from Penzance to Bodmin, Newquay to St Austell and Truro to Camborne

Live In Carer Insurance Devon

Live In Carer Insurance Devon

Live In Carer Insurance Devon, from Plymouth to Paignton, Exeter to Exmouth and Torquay to Tiverton

Live In Carer Insurance Dorset

Live In Carer Insurance Dorset<

Live In Carer Insurance Dorset, Bournemouth to Bridport, Poole to Portland and Dorchester to Christchurch

Live In Carer Insurance Gloucestershire

Live In Carer Insurance Gloucestershire

Live In Carer Insurance Gloucestershire, from Cheltenham to Stroud, Gloucester to Tewkesbury and Cirencester to Dursley

Live In Carer Insurance Hampshire

Live In Carer Insurance Hampshire

Live In Carer Insurance Hampshire, from Ringwood to Basingstoke, The New Forest to Portsmouth and Winchester to Southampton

Live In Carer Insurance Herefordshire

Live In Carer Insurance Herefordshire

Live In Carer Insurance Herefordshire, from Hereford to Leominster, Ledbury to Bromyard and Kington to Credenhill

Live In Carer Insurance London

Live In Carer Insurance London

Live In Carer Insurance London from Croydon to Barnet, Newham to Ealing and Enfield to Bromley

Live In Carer Insurance Oxfordshire

Live In Carer Insurance Oxfordshire

Live In Carer Insurance Oxfordshire, from Banbury to Oxford, Bicester to Didcot and Witney to Abingdon

Live In Carer Insurance Shropshire

Live In Carer Insurance Shropshire

Live In Carer Insurance Shropshire, from Telford to Shrewsbury, Oswestry to Bridgnorth and Newport to Ludlow

Live In Carer Insurance Somerset

Live In Carer Insurance Somerset

Live In Carer Insurance Somerset, from Bath to Bridgwater, Chard to Minehead and Taunton to Yeovil

Live In Carer Insurance Surrey

Live In Carer Insurance Surrey

Live In Carer Insurance Surrey from Camberley to Dorking, Egham to Epsom and Farnham to Guildford

Live In Carer Insurance Warwickshire

Live In Carer Insurance Warwickshire

Live In Carer Insurance Warwickshire, from Nuneaton to Rugby, Royal Leamington Spa to Warwick and Bedworth to Stratford-upon-Avon

Live In Carer Insurance West Midlands

Live In Carer Insurance West Midlands

Live In Carer Insurance West Midlands, from Birmingham to Coventry, Dudley to Sutton Coldfield and Walsall to Wolverhampton

Live In Carer Insurance Wiltshire

Live In Carer Insurance Wiltshire

Live In Carer Insurance Wiltshire, from Swindon to Melksham, Salisbury to Trowbridge and Chippenham to Amesbury

Live In Carer Insurance Worcestershire

Live In Carer Insurance Worcestershire

Live In Carer Insurance Worcestershire, from Worcester to Redditch, Kidderminster to Malvern and Bromsgrove to Evesham

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