We understand that if you employ personal assistants or carers in your home for yourself or on behalf of someone else either through direct payments, personal budgets, private funding or self-funding, you will face various daily risks.
We're here to arrange insurance to protect you from these risks, with three levels of cover available*:
* Prices based on annual premiums including Insurance Premium Tax (IPT) at the current standard rate.
Our dedicated carer employer insurance team is here to make sure you have the right level of cover to protect you and your staff. You can buy online by clicking “Get a quote” below, or call us and we will talk you through the cover you need.
Bronze cover is only £62.50 per year and includes:
For added protection Silver cover is only £78.50 per year and includes everything in the bronze package plus:
For even greater protection Gold cover is only £88.50 per year which includes everything in the silver package plus:
For more detailed information about Carer Employer Insurance, please read the Policy Summary and Policy Wording.
No. To take out a carer employers insurance policy, we don't need to know who cares for you.
Carers also need to make sure they have insurance to cover any claims made against them. We advise that your carer has public liability policy to protect themselves. We can also provide self-employed carers insurance for your carers via our website.
The policy needs to be in the name of the person responsible for directing carers' duties and arranging their pay and tax: the care recipient, a parent, a guardian, other relative or trust. We may ask for a power of attorney or a list of trustees to manage the policy effectively.
The carer employer policy can be cancelled within 14 days of taking out or renewing the policy. A full refund will be given at this time, providing no claims have been notified or made on the policy.
A pro-rata refund would be available after 14 days of taking out or renewing a policy. This will be subject to the agreement from the insurer, Zurich Insurance PLC., and the days and time the policy has been in place and paid for.
If you continue to experience problems please call us on 0330 818 7658.
The policy covers up to and including four carers or personal assistants in your employment. If you employ five or more carers or personal assistants we can refer this to the insurer for a quote, however this may result in an increased premium.
Personal accident cover (included in the Gold Package only) must be selected to cover an accident – depending on the circumstances and the injury. Please refer to the policy wording for the full table of benefits and exclusions. There is also an age limit of 90 years.
No. Once your renewal date has passed, you will need to purchase a new Gold, Silver or Bronze package policy, which can be done online or over the phone. If you experience problems taking out a new policy online, please let us know. It's important to know you will have a gap in cover if you do not renew your policy in time. This means if a claim arises for the time you did not have insurance in place, it would not be covered.
Yes. To set up a policy online, we will require payment at the time of inception. Please call us so we can invoice your payment group.
The £25 fee (or £10 fee when issuing duplicate documents by post) covers the administration of the policy for setting it up, either via the phone or via our quote and buy website, renewing it, issuing documents and referrals to the insurer where applicable. The £25 admin fee is also required for these reasons by payments made via BACS or cheque.
Our policy on charging fees can be found in our Terms of Business. You will receive a copy of our Terms of Business if you take out a policy, or you can request this from us by emailing care@marshcommercial.co.uk