This type of policy goes by many names including Home Employment Insurance, Carer Employer Insurance, Companion Care Insurance, or simply Home Help Insurance.
At Carer Insure we want to support people who do not receive funding from their local authority (sometimes referred to as a direct payment) who wish to employ their own Carer or Personal Assistant so they can live independently.
Why do I need carer employer insurance?
It is a legal requirement for all UK employers to hold Employers’ Liability Insurance.
Employers’ Liability Insurance is designed to cover compensation and legal costs that your employee may be entitled to if they become ill or are injured as a result of working for you.
Basic
£67 a year
For people who employ a carer or personal assistant and are looking for the basic legal insurance requirements such as employers’ liability and public liability.
Plus
£87.50 a year
For people who employ a carer or personal assistant and require the standard cover of employers’ and public liability as well as additional legal and employment insurance, including redundancy cover for your carers, additional carer costs and access to an employment law advice line.
Premium
From £140 a year
This policy provides people who employ a carer or personal assistant the standard cover of employers’ liability, increased public liability, additional legal and employment insurance, including redundancy cover for your carers, additional carer costs, and access to an employment law advice line.
In addition to the above, this policy also includes healthcare tasks liability cover for carers and personal assistants who carry out healthcare duties.
What does this all mean?
Use our terminology guide to help explain what these insurance policy terms mean
What’s included in each policy?
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| Employer Basic | Employer Plus | Employer Premium | |
| Cost | £67 a year | £87.50 a year | £140 a year Cost per additonal carer is £25 |
| Employers Liability | Up To £10m | Up to £10m | Up to £10m |
| Public Liability | Up To £5m | Up to £10m | Up to £10m |
| Redundancy Cover |  |
Up to £4000 | Up to £4000 |
| Additional Carers Costs | |
Up to £1250 | Up to £1250 |
| Legal Costs and Expenses | |
Up to £200,000 per claim | Up to £200,000 per claim |
| Employee Insure | |
|
Up to £10m |
| Access to 24/7 employment law & H&S advice line | |
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| Access to Aquarium online training | |
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Why choose Carer Insure
Carer Insure is brought to you by Enable. We have been supporting thousands of employers who hire people to work in their home for over 30 years. Our Employer Insurance policy has been crafted to put you first, something we at Carer Insure, believe is of utmost importance.
Did you know there are different types of carers?
Check out our handy guide that explains the differences
Frequently Asked Questions
Prefer to talk to someone?
We’re open evenings and weekends – you can reach us by calling 0203 948 3448 during our office hours listed below:
- Monday to Friday: 8.30am – 7.30pm
- Saturday & Sunday: 10.00am – 4.00pm
Alternatively you can email us at contactus@carerinsure.co.uk.
Looking for your policy documents?
There are different policy documents for the various levels of cover we provide. You can find all the relevant documents on our Policy Documents page.