Carers Public Liability Insurance

Unless you are paid directly by an agency, you will be a Self Employed Carer. This gives you a lot of flexibility, but there is also a lot of responsibility. In a previous post I have highlighted some of the steps you need to take when you are self employed, such as registering for HMRC (tax)  and National Insurance.

The nature of the job of Caring is such that anything can happen and you need the peace of mind that you are covered in the event of any claim that might arise. Your agency and client will expect you to have your own Public Liability Insurance.

A typical tailor made Carer's policy will cost you from around GBP 85 to GBP 90 for the whole year.
Remember you can claim tax relief for this. Insurers offering these policies include Mark Bates Ltd, Fish Insurance and Bluefin Group.

Your policy will typically cover you for:

• Up to GBP 5 million Public Liability Cover
• Legal expenses up to GBP 25 000
• Personal accident
• Loss or damage to your property
• Loss or damage to the clients property
• Access to Legal helpline

You will need to compare the various policies on offer and choose one that suits you. Online payment is incredibly easy, or you can also apply by phone.