Our Carer Insurance policy is designed for carers and personal assistants (PAs) who provide support for people in their homes.
We provide a carer insurance policy that has been designed to protect carers and PAs.
Why do I need carer insurance?
In a job that can be emotionally and physically difficult, having the comfort of an insurance policy can make all the difference.
In any job, mistakes can be made, which is why we recommend you protect yourself against possible risks or accidents you may face day-to-day.
Carer and Personal Assistant Insurance
£89 a year
Insurance for those working as carers or personal assistants, providing both public liability and personal accident cover.
Key benefits at a glance
• Up to £10,000 personal accident cover, as long as claims do not involve the use of drugs, alcoholism or drunkenness
• Up to £5 million public liability in respect of liability claims made against you for bodily injury excluding malicious or deliberate acts
• Protection against errors and omissions in the provision of medical treatment including nursing care, administration of medicines and first aid as long as you are qualified to do so
*Limitations and exclusions apply, please refer to the Insurance Product Information Document (IPID) for more details.
What does this all mean?
Use our terminology guide to help explain what these insurance policy terms mean
Why choose Carer Insure
Carer Insure is brought to you by Enable. We've been supporting carers for over 30 years. Our Carer and Personal Assistant Insurance policy has been crafted to put you first, something we at Carer Insure, believe is of utmost importance.
Looking for your policy documents?
You can find all our Carer & Personal Assistant Insurance policy documents below but if you need your policy schedule, please contact us
Frequently Asked Questions
What am I protected against?
Insurance for carers and personal assistants from Carer Insure offers cover of up to £5 million if you accidentally injure your client while performing support duties.
The cover wouldn’t be valid if you deliberately injured the client or if you were performing duties you hadn’t had appropriate training to perform.
Other exclusions do apply, so be sure to check the full policy documents before making the choice to purchase cover.
Am I covered if I accidentally give my client the incorrect medication?
If you should happen to accidentally give your client the wrong medication, you will be covered for up to £5 million. The cover wouldn’t be valid if you deliberately gave the client the incorrect medication or gave the incorrect medication because you were performing duties you hadn’t had appropriate training to perform. As with all insurance policies, limitations and exclusions apply, so be sure to check the full policy documents before making the choice to purchase cover.
Am I covered if I get injured at work?
If you’re self-employed, you don’t have the benefit of being covered by your employers insurance policy. But, with our Carer and Personal Assistant Insurance policy, you get up to £10,000 personal accident cover to protect you in case you are injured at work. This cover wouldn’t be valid if you were undertaking certain dangerous activities such as rock climbing, or if the accident was as a result of drunkenness. Other exclusions apply, so be sure to check the full policy documents before making the choice to purchase cover.
Am I covered if I accidentally damage my client’s property?
The Public Liability element of our Carer and Personal Assistant policy covers you in case you accidentally damage your client’s property. This cover has a limit of up to £5 million and you must pay the first £100 for damage to someone else’s property. Damage to your or a family member’s property would not be covered.
Am I covered if I accidentally injure my client?
Insurance for carers and personal assistants from Carer Insure offers cover of up to £5 million if you accidentally injure your client while performing support duties. The cover wouldn’t be valid if you deliberately injured the client or if you were performing duties you hadn’t had appropriate training to perform. Other exclusions apply, so be sure to check the full policy documents before making the choice to purchase cover.
I’m self-employed. Do I need Carer & Personal Assistant insurance?
If you’re self-employed, it’s a good idea to have insurance. It means that you are protected should something go wrong at work. It may also give your clients peace of mind to know that you have public liability insurance.
Prefer to talk to someone?
We’re open evenings and weekends – you can reach us by calling 0203 948 3448 during our office hours listed below:
- Monday to Friday: 8.30am – 7.30pm
- Saturday & Sunday: 10.00am – 4.00pm
Alternatively you can email us at contactus@carerinsure.co.uk.
