What it covers

• Cover if a carer makes a claim for compensation because of an injury or illness caused whilst they are carrying out support duties for you. This insurance is required by law.

Limitations and exclusions apply, please refer to the Policy Wording and Insurance Product Information Document (IPID) found here

What it covers

• Covers costs of claims made against you, or your carer whilst with you, by other people or companies. The insurance pays for any compensation that might be awarded because of:
  • Injury.
  • Damage to property not belonging to you or your family.

Limitations and exclusions apply, please refer to the Policy Wording and Insurance Product Information Document (IPID) found here

What it covers

• Costs of making carers redundant.
• Costs of the notice period for the carer as a condition of their employment.It is important to understand that the policy will only pay redundancy claims if you:
  • Go into full-time residential or nursing care.
  • Pass away.
  • Or if you are told that funds are being reduced or withdrawn. It does not provide cover if you choose to make someone redundant for any other reason.

  The policy will not pay more than:

  • £2,000 per employee or a maximum of £4,000 if more than one employee is made redundant.
  • £450 for the cost of the notice period the carer is entitled to.

Limitations and exclusions apply, please refer to the Policy Wording and Insurance Product Information Document (IPID) found here

What it covers

• This cover helps towards the costs if the services of a carer is lost on a temporary basis.
• It also helps if there’s a need to replace a carer due to summary dismissal or dispute.
• If a carer is injured at work a benefit of up to £250 per week will be paid for any increased care costs.

The maximum the insurer will pay is £1250 in any one policy year. The insurer will pay up to £300 (including VAT) towards the costs associated to recruiting a replacement carer due to:

1. A summary dismissal.
2. The carer providing notice to terminate their employment. The effect is, they are subsequently absent from work due to sickness.

Limitations and exclusions apply, please refer to the Policy Wording and Insurance Product Information Document (IPID) found here

What it covers

• Cover for Legal Costs & Expenses relating to employment claims brought against you. The insurance pays towards the cost of defending employment claims brought against you by the employee or former employee in a Civil Court or Employment Tribunal up to £200,000 per claim and up to £2m in any policy year.

Limitations and exclusions apply, please refer to the Policy Wording and Insurance Product Information Document (IPID) found here

What it covers

• Access to a 24/7 Employment Law and Health & Safety advice line provided by Peninsula. They can provide advice on many employment topics, including employee disputes.

Limitations and exclusions apply, please refer to the Policy Wording and Insurance Product Information Document (IPID) found here

What it covers

• Costs of claims made against the carer by their employer or by other people/companies.The insurance pays for:
  • Any compensation that might be awarded because of injury;
  • Damage to property belonging to the care user, the employer or others.

Limitations and exclusions apply, please refer to the Policy Wording and Insurance Product Information Document (IPID) found here