If you are an employer, for example if you employ a personal assistant, you are required by law to have certain insurance cover in place. Get yourself protected & make sure you take out Employers and Public Liability Insurance before you even begin advertising for a PA.
Please ensure the policy cover you select includes access to an employment helpline, legal cover & redundancy cover.
Why do I need to have insurance?
Individual employers need to have employer’s liability insurance to make sure that you and your personal assistants are protected if an accident or incident happens.
The specific details of your insurance policy can differ between companies, but they typically include three key elements employer’s
- liability
- public liability
- legal expenses.
Employer’s liability insurance and/or public liability insurance is essential. As an employer you have a legal duty to insure against accidents or injury to your staff, or accidents or injury caused by them while they are working for you.
- Employer’s liability insurance covers you if your personal assistant(s) make a compensation claim because they have been injured or fall ill because of their work.
- Public liability insurance covers you if anyone else makes a compensation claim because they have been injured or if their property gets damaged, by you or your personal assistant(s).
In our experience, if there is good communication between an Employer and their PA, there are very few problems that cannot be amicably resolved, however, if things do go wrong your insurance company will provide you with legal advice on what you need to do.
How do I arrange my insurance?
You can contact them directly to arrange cover or a member of the DP and PA Support Hub can support you with this if needed.
How do I pay for the insurance?
Funds to cover the cost of the insurance are included in your Direct Payment.
What are the choices of Insurance provider?
Insurance cover to protect people using direct payments to employ their own personal assistants is provided by the companies below or you may want to use your own.
Mark Bates Ltd: The Home of Premier Care or phone: 01476 514478. If you are choosing this provider please select the Deluxe Policy
Independent living: expert advice and information (Fish insurance) or phone: 00333 331 3770. If you are choosing this provider please select the Care Protect policy
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