INDEPENDENT LIVING INSURANCE POLICY

Independent Living Insurance Policy - From £76.65 annually

We offer two levels of cover for those taking advantage of the government’s Direct Payments scheme to source their own care, or fund their care privately, so they can enjoy independent living. Whilst direct payments provide welcome freedom and choice, they also bring responsibilities and potential liabilities as personal and care assistants are directly employed. That is why you must by law, whether you receive direct payments or employ someone using your own funds, have employer's liability insurance.

Such obligations have in the past put off some care service users from exploiting direct payments and enjoying greater control of their lives. Our full cover policy is designed to ease such concerns by providing not just extended insurance cover but access to a 24-hour employment law advice line to help you prevent or professionally manage any disputes. Staffed by qualified employment law advisors this will give you immediate access to advice on issues such as disciplinary matters, dismissal, absenteeism, health and safety regulations, change of duties and harassment. In addition, should an employment dispute reach court or tribunal, the policy will cover legal costs to resist and defend a case and awards which may be made against you for unfair dismissal or discrimination.

 If you do not have experience as an employer we strongly recommend you take our full cover insurance.

The small additional premium for full cover also provides additional insurance against the infidelity of your employee (theft), personal accident, breaches of Health & Safety at Work, Defective Premises and Data Protection legislation.

Read our press release with further details of the enhanced Independent Living Insurance Policy

basic cover price