Terminology Explained

Employers’ Liability

Protects you if your carer makes a claim for compensation as a result of an injury or illness caused whilst carrying our support duties for you.

Public Liability

Covers you for legal claims made against you or your employees by other people.

Redundancy & Notice

Covers the costs of statutory redundancy and notice to employees if the person receiving care goes into full time residential care, or passes away and no longer needs to employ a carer.

Additional Carer Cost

Help towards the costs you might have if you lose the services of an employee on a temporary basis and/or need to replace an employee due to summary dismissal or dispute.

Legal Costs & Expenses

Help towards the cost of defending employment claims brought against you by the employee or former employee in a Civil Court or Employment Tribunal.

Carer’s healthcare tasks liability

Covers the costs of claims made against the carer by their employer or by other people/companies.

Policy Wording

Policy wording is the terms and conditions and definitions of insurance coverage as they are written down in the insurance policy.

Insurance Product Information Document

This document is a summary of the benefits included, exclusions, restrictions, areas of cover, how your policy is paid and your rights and obligations.

Terms of Business

This is the document in which we set out what has been agreed between us and you for the services we’re providing you.

If we’ve missed anything from our insurance terminology guide or if you have any other questions, we’re happy to help – simply email us at contactus@carerinsure.co.uk or call our customer care team on 020 3137 4410.