What is public liability insurance for self-employed carers?

16 Jun 2021

If you are looking to make a difference in the world, the role of a carer is one of the most rewarding and significant jobs you can do. Carers work with those of all ages and backgrounds. They support clients with a multitude of tasks including social and physical activities, day to day care, administrating medication and supporting their attendance to appointments. Building a strong relationship with a client and seeing the difference you are making to them is hugely gratifying for both parties. A carer also makes a huge impact on the lives of friends and family members. It’s a huge weight off their mind to meet a carer who can successfully support their loved one.

Today we are going to cover some of the key information about carers and their insurance.

Is carers insurance a legal requirement?

Carers insurance is not a legal requirement but is highly recommended. This industry is extremely rewarding but the role can be very mentally and physically demanding at times. In order to provide peace of mind for the client, carer and loved ones alike, investing in carers insurance covers yourself and the person you are caring for in a variety of ways. All insurance policies are different but common practises for insurance include public liability, accidental injury and travel care.

What is public liability insurance for self-employed carers?

What is public liability insurance for self-employed carers?

The role of a carer is extremely complex, and in such a demanding job that unfortunately mistakes can happen. Public liability insurance protects you if you have an accident in the workplace. This includes administrating incorrect medication or causing injury whilst caring for somebody. This type of insurance is extremely important for both carer and client alike.

Can I get carers insurance for a carer I am employing?

If you are employing someone as a carer and would like to invest in insurance, this is possible. However, the policy will have to be in their name and the insurance provider will need to speak to the policyholder to clarify some key information.

How much does it cost to get carers insurance?

The cost of carers insurance can vary, but the team at Blue Badge offer comprehensive insurance from just £75 per year.

What is public liability insurance for self-employed carers?

Where can I get support as a carer?

Caring is a high-intensity job, and with such a huge responsibility can come concerns and issues with mental health. Many people in a caring role put the needs of others first, sometimes forgetting about their own wellbeing. As a carer, it’s extremely important to focus on yourself and ask for help when needed. There are plenty of support networks out there for all types of carers dealing with a variety of clients and situations.

  • Carers UK forum is a fantastic community of carers online who can identify with how you are feeling and what you’re going through. Knowing you aren’t alone is extremely powerful and you can talk freely without judgement. This platform is open to all carers over the age of 18. To post on the forum you need to join Carers UK as a member.
  • The Samaritans are always available to talk on the phone for free, offering an ear to listen and a chance to explore how you feel. You can also write in or email the charity if you feel that taking on the phone is too daunting.
  • The NHS offer support and benefits for carers including carers assessments, support from local councils, respite care and help for young carers
  • Don’t forget that your friends and family understand how emotionally intense your role can be. If you are able to, reach out to loved ones about how you feel. They will have your best interests at heart and can offer a friendly face and a chat that can make the world of difference.

What is public liability insurance for self-employed carers?

What does our insurance cover?

Blue Badge have extensive experience working in the industry. Our friendly, UK based team are more than happy to help and support our carers. Our carers insurance policy includes:

  • Public Liability Cover for Carers up to £5 Million for injury or damage to property
  • Legal expenses in the event of a liability claim
  • Errors or omissions whilst providing care, including administering medication
  • Up to 90 days cover for care provision whilst on holiday
  • Accidental injury to any person in your care
  • No fees for policy changes

Becoming a carer is an incredible role. Investing in carers insurance not only protects you but shows the client you are serious about your job and their safety. Our team at Blue Badge are passionate about supporting carers of all ages and backgrounds if you are just starting out in your career or have been in the industry for years. If you would like further information or are looking for a quote, get in touch with our team at Blue Badge today.

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