Whether you are employed by an agency or work as a private live-in carer you may want to think about having insurance. In fact, many agencies insist on this before they send you to a client.

Public Liability Insurance provides cover for bodily injury to others (your client) and damage to property which belongs to other people

Personal accident insurance provides cover for you should you suffer accidental injury while you are working. This insurance will not cover pre-existing conditions, diseases, and events which happen due to natural causes.

There are only a handful of insurance companies in the UK which will cover live-in carers.

Fish Insurance and Blue Badge Mobility are two which will happily cover live-in carers. Both have been designed with carers in mind.

Fish insurance at a glance

Provides:

• Up to £5 public liability cover
• Protection from omissions and errors when providing medical treatment which you are qualified to carry out
• Cover for accidental damage to property with a deductible of £100
• Cover for accidental bodily injury to any person
• Legal costs and expenses when defending prosecution under the food, health, and safety acts
• Up to £10,000 personal accident cover, hospital allowance if you are seriously injured at work

https://www.fishinsurance.co.uk/carer-employer/carers-insurance/

Blue Badge Mobility at a glance

Provides:

• Public liability cover for carers up to £5 million injury and damage to property
• Legal expenses in the event of a liability claim
• Cover against errors or omissions whilst at work, including medical administration
• Cover for accidental injury to any person you care for
• Up to 90 days cover for care provision while on holiday

Blur Badge Mobility does not charge for any policy changes 

https://www.bluebadgemobilityinsurance.co.uk/carers-insurance

Final thoughts

It is important that as a live-in carer you have some sort of insurance to protect yourself while you are working. As with all jobs, it is possible to make mistakes. Carers live under stress most of the time and are often tired. Mistakes can and do happen.

Take a little time to research this subject, you will find that it is not expensive with most companies accepting monthly premiums or annual ones. For your own peace of mind, it is important to have personal and public liability cover.

 

Tags:

1

Go Back to Previous Page

Live in care jobs