Carers Insurance

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Carers Insurance Explained

What is Carers Insurance?

Being a carer or a personal assistant is a very fulfilling job. You can bring joy to someone else’s life. However, it is also a demanding job, not only physically but also emotionally. Just like any other type of job, mistakes cannot be avoided. That is why it is essential that you must get a carers insurance that can protect you against these risks.

For instance, if you’ve made a mistake in administering their medication or if you have caused them injuries while caring for them. Public liability insurance can give you protection in the event that you are facing a compensation claim due to your mistakes.

Is Carers insurance needed if you are self-employed?

As a self-employed carer or personal assistant, you are not legally required to take out a carers insurance. However, investing in insurance can protect you in case you commit an error in your work such as giving the wrong medication. This can also cover you in case you accidentally damaged their property. With public liability insurance, you and your client can obtain peace of mind because you are covered in case incidents can happen unexpectedly.

What if you get injured at work? Since you are self-employed, then you won’t be able to enjoy the benefit of employers’ liability insurance. However, you can get personal accident insurance so you can be protected in case you got injured at work. On the other hand, if you accidentally injured your client, then it can be covered by public liability insurance.

So, what will happen if your client will sue you? Litigations can be very costly. If your client decides to sue you and you are not covered with the right carers insurance, then you could end up paying a lot of money. Hence, having insurance is very important since it can cover the legal costs and compensation in case claims may arise.

What other types of coverage do you need? If you are using your car for driving your clients for their doctor or hospital appointments, then you must get car insurance that includes coverage for business use.

Finding the Best Carers Insurance

Who needs Carers insurance?

Having the right carers insurance is essential if you are running your own care business or you are a care provider. Self-employed carers require a specialist Carers Insurance while owners of care businesses should get something a bit different.

If you are a self-employed carer or personal assistant, then you should get a Public Liability Insurance for carers since your job involves a lot of risks. Most especially when you are helping them move from one place to another or in providing them their medicines. Public Liability Insurance is very helpful when mistakes, injuries, accidents, and other incidents occur while you are doing your job. If you are an owner of a care business, then it is mandatory that you should get an Employer’s Liability Insurance.

What types of insurance for carers need?

Public Liability Insurance

Public Liability insurance is necessary for any businesses which constantly deals with members of the public. As a carer, you should be aware that accidents can happen anytime. And when something goes wrong, you’ll be thankful that you are covered with a Public Liability Insurance.

Professional Indemnity Insurance

Professional Indemnity Insurance can protect your business in the event that you have given the wrong advice or service as a carer. This can protect your business in the event that your client will make a claim against you due to malpractice or professional negligence. Even if you think that you have done nothing wrong, claims can still arise. That is why professional indemnity insurance should be included in your carers insurance. This insurance can pay for the legal costs of defending yourself and for the compensation that will be awarded to your client.

Personal Accident and Illness insurance

If you are a self-employed carer, then it is essential that you must consider having Personal Accident insurance. It can cover the loss of income in the event that you cannot work because of an injury or a sickness. Death and Disablement option is also available. This can cover accidental death due to an injury. Partial and total disablement such as a broken leg or blindness is also covered. However, there are some injuries or sickness that might not be covered such as pre-existing conditions, mental illness, etc.

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