Insurance for Self-Employed Carers Explained
Whether you’ve just started as a carer or have been in the field for a while, self-employed carer’s insurance can make all the difference when it comes to protecting yourself, your clients, and your business. But what level of protection is included within a policy and who is it designed to benefit? Find answers to these questions and more in our latest blog.
Do I Need Insurance to Be a Self-Employed Carer?
So, do you need carers insurance if you’re self-employed? The short answer is yes.
Carers insurance provides essential protection for both you and the clients in your care. It can cover unexpected incidents, protect against legal claims, and ensure your peace of mind as you focus on providing high-quality care. It’s a small investment in the grand scheme of things, but it can have a significant impact on your business and your ability to deliver a professional, compassionate service.
What Does Self-Employed Insurance for Carers Cover?
A bespoke care providers insurance policy can include different types of coverage, tailored to the carer and their individual requirements. These can include:
Public Liability Insurance
One of the most critical aspects of insurance for self-employed carers is public liability coverage. This protects you if a third party is injured or their property is damaged due to your professional activities. For instance, if a client trips over your equipment and gets injured, public liability insurance can cover the costs associated with their medical treatment and any legal fees that may arise.
Medical Malpractice Insurance and/or Professional Indemnity Insurance
This type of coverage offers protection if you offer medical or health-related services. This includes protection in the event of claims arising from medical errors or negligence, such as if a third party is injured or their property is damaged due to your professional activities. As a self-employed carer, you may occasionally be involved in tasks that require medical expertise, and this insurance can shield you from significant financial losses.
Personal Accident Insurance
Personal accident insurance is designed to protect you if you suffer an injury while performing your duties. As a carer, your job can be physically demanding, and there is always the risk of accidents. This insurance can cover medical expenses, lost income, and even provide compensation if you’re unable to work due to an injury.
Legal Expenses Insurance
Legal expenses insurance covers the cost of legal advice and representation in the event of disputes or legal proceedings. Whether it’s a contractual dispute with a client or a disagreement with a supplier, this insurance can help cover your legal costs.
Different Types of Carers Who Should Consider Carers Insurance
Self-employed carers can come in various forms, and each type may have specific insurance needs. Here are some examples:
- Domiciliary Carer: Those who visit clients’ homes to provide
- Personal Assistants: Carers who assist clients with daily activities, such as bathing, dressing, and meal preparation.
- Healthcare Assistants: Those who provide more specialised medical care, such as administering medication or wound care.
- Companion Carers: Carers who offer companionship and social support, often to elderly
- Care Agencies: Care agencies employ a range of carers and provide services to multiple clients, often requiring a broad range of coverage.
Regardless of the specific type of care you provide, having the right care providers insurance is crucial to protecting yourself and your business.
The Benefits of Tailored Coverage from Higos
At Higos, we understand that every carer has unique needs. That’s why we offer tailored carers insurance policies to meet your specific requirements. By choosing Higos, you can benefit from comprehensive coverage, personalised service, and the peace of mind that you’re covered.
For more information on our care providers insurance policies, including bespoke insurance for self-employed carers, call us today on 01458 270323. Our commercial insurance team are on hand to help and answer any questions you might have. For care providers insurance, it has to be Higos.