Types of Insurance Every Private Carer Should Consider

Young woman caring for older client.

Being a private carer can be far from an easy business. As well as all your care responsibilities, the nature of your work can also mean that you’re faced with an array of risks and potential liabilities. In fact, it’s hugely important that all private carers understand how to keep themselves protected with care providers’ insurance. So, whether you’re a seasoned care provider or just starting out in the industry, our experts are exploring the essential insurance policies you should consider.

Public Liability Insurance

First and foremost, all care providers in the UK should take out public liability insurance. While not strictly a legal requirement, this is highly advisable for the protection it offers, while many clients are likely to insist on having such insurance in place before engaging the services of a private carer.

Public liability insurance for carers will cover the costs associated with legal claims made against you if someone gets injured or their property is damaged due to your actions while providing care. This is fundamental for every care provider, ensuring you can work with peace of mind knowing you’re covered.

Professional Indemnity Insurance

As a professional in the care industry, your advice and services carry weight. Professional indemnity insurance, sometimes known as professional liability insurance, protects you if you’re sued for negligence or malpractice. This component of care providers’ insurance is vital, especially considering the sensitive nature of health-related advice and care services.

Personal Accident Cover

Care providers often overlook the importance of personal accident cover. This insurance for carers provides compensation if you suffer an injury while working. Given the physically demanding nature of care work, this type of commercial insurance is a sensible consideration for protecting your wellbeing.

Income Protection

Income protection insurance is another key consideration. This provided financial support if you’re unable to work due to illness or injury. For self-employed carers or those working in small care homes, this can be a financial lifesaver, ensuring you have a stable income when you can’t work.

Cyber Liability

With a building demand for digital records, cyber liability is becoming increasingly crucial. This type of care providers’ insurance protects you against the costs associated with data breaches or cyberattacks. If you handle sensitive patient data digitally, this is needed to safeguard against potential digital threats.

Legal expenses insurance covers the cost of legal advice and representation. Having this level of legal support can be invaluable, especially if you face disputes or regulatory challenges.

Business Car Insurance

Finally, business car insurance is a must for private care providers who travel to clients’ homes. This differs from standard car insurance as it covers the vehicle for commercial use and ensures that you’re legally covered while on the road.

Care Providers’ Insurance from Higos

For care providers in the UK, having the right insurance in place is just as much about peace of mind as it is about compliance. At Higos, we specialise in commercial insurance cover to ensure you’re receiving exactly the protection you need. Our expert team will work with you to understand the nature of your work, the unique risks you face, and provide a tailored quote to ensure you’re covered.

For more information on our care providers’ insurance, why not get in touch? Our expert team are always on hand to answer and questions you might have.

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Give us a call on 01458 270323 if you have any questions or click the 'request a callback' button.