Carers Insurance
Competitve Insurance For Carers Backed By 'Exceptional' Service
Want to save money on your carers insurance? Let the insurance specialists at Coversure Hull compare our markets to find you the insurance for carers that’s right for you. Whether you’re self-employed or run a care home and need cover for your staff, call us today on 0800 977 6037 and let our award-winning team help you get the protection you need.
Carers insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of insurance experience, you can rest assured you’re in safe hands. Being independent we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 0800 977 6037 or start your carers insurance quote today.
What is carers insurance?
Carers insurance – or private carers insurance as it’s also known - through Coversure Hull is a flexible policy that provides carers and care business owners insurance with the protection they need. We can tailor it to your requirements, and it can provide:
- Public liability insurance
- Personal injury insurance
- Legal expenses insurance
- Employer’s liability insurance
Who needs carers insurance?
Insurance for carers through Coversure Hull can be tailored to provide cover for both individuals and businesses working in the care sector, including:
- Self-employed carers
- Individuals employing their own carers
- Businesses that hire carers to provide care services
- Support businesses that arrange care and provide services such as direct payments, budgeting, payroll etc.
To find out more or to get a carers insurance quote, please call us free on 0800 977 6037. We’ll get to know your needs before comparing our markets to find you the protection that’s right for you.
What can carers insurance cover?
Carers insurance through Coversure Hull can be tailored to your needs, but it commonly includes:
- Public liability insurance – covers you should a member of the public injure themselves or if their property is damaged while you are working. It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities. Policy limits are typically arranged for £1m, £2m, or £5m depending on the size of your business and the type of work you are doing
- Employers’ liability insurance - is a legal requirement if you have employees. It provides cover in the event of an employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) in place to protect your employees in case they are injured or become ill through working for you. Your policy must:
- Cover you for at least £5 million – some companies take £10 million or more
- Be with an authorised insurer
- And employers must provide a safe working environment
- Loss of property cover - for personal belongings at work up to £250 as well as personal or user’s belongings because of you being mugged. It can also cover the replacement of keys and changes of locks up to £100 and damage to user’s property by forced access due to a medical emergency
- Personal accident cover - if you have an accident and find yourself unable to work you can claim
- Legal expenses insurance – if you’re accused of neglect or abuse this will provide funds for conducting your defence
How much does carers insurance cost?
At Coversure Hull we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your needs and create a package of cover that fits your requirements. What we can say is that your carers insurance quote will depend on things like:
- Where you are working and for whom
- The size of your business and its turnover
- If you have any employees
- Your claims history
- How long you have been practicing for
If you’d like to know how much an insurance for carers policy will cost you, please get in touch. You can call us on 0800 977 6037 or start your carers insurance quote today.
Carers insurance FAQ
Carers insurance is a complex area of cover and it’s important to get it right. To help you get the protection that’s right for you, here are our carers insurance frequently asked questions. We hope they will prove helpful, but if you’d like to get some independent advice, then please call us free on 0800 977 6037. Our team of insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.
Q. Who needs carers insurance?
A. Insurance for carers can be tailored to provide cover for both individuals and businesses working in the care sector, including self-employed carers, individuals employing their own carers, and businesses that hire carers to provide care services
Q. Is carers insurance a legal requirement?
A. No, though if you have a care business with employees, you will need employers’ liability insurance
Q. Do I need business car insurance as a carer?
A. Yes. As many carers use the cars for work purposes, be it transporting clients to medical appointments or to day care or social events – they need business car insurance and not just standard social, domestic and pleasure cover
Q. How much does carers insurance cost?
A. That will depend on things like the type of cover you need – be it for a self-employed individual or a company – if you have any employees, and the policy limits you require. if you’d like to get some independent advice, then please call us free on 0800 977 6037
Q. How much public liability insurance do I need?
A. That really depends on the nature of the work you’re doing, for whom, and where. While policies can be arranged for £1m or £2m, some organisations will insist on you having at least £5m of public liability insurance in place
Q. How can I get a carers insurance quote?
A. Getting a carers insurance quote from us is easy. You can call us on 0800 977 6037 or get your carers hire insurance quote here. Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like.
Get a carers insurance quote
If you'd like some insurance help or an insurance for carers quote, call us on 0800 977 6037. We can give you all the advice you need and can compare our markets to find you the cover you require.
