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If you’re a self-employed carer or you run a home care business, you’re in a position of trust and responsibility, meaning you need an insurance policy that can support you if something goes wrong.
That’s where tailored insurance for carers from Simply Business comes in.
Public liability is the central part of carers’ insurance. It can cover you if you face an injury or compensation claim from a client or another third party.
You can then add other business insurance covers - including employers’ liability insurance if you employ staff - to create your policy.
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The insurance you need depends on your business and the risks you want to cover, but these are some of the insurance types that are relevant to care providers:
Public liability insurance is likely to be top of your list, as it can cover compensation payments and legal fees if a client or another third party makes an injury or damage claim against you. For example if a client sued you for injuring them while moving them, your public liability insurance could pay the compensation payment and legal costs. We can offer carers up to £10 million of public liability insurance.
Employers’ liability insurance is a legal requirement for most businesses that have staff, so it’s an important consideration if you run a care business. It can cover compensation claims made by staff because they’ve been injured or fallen ill as a result of their work.
Other options include business equipment insurance, which can pay to replace or repair your business equipment if it’s lost, stolen or damaged, and business interruption insurance, which can protect your income if your business is hit by a disaster.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.