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This is a policy which offers so many benefits, but for so little – equivalent to less than £2 a week.

Carer & Personal Assistant Insurance

If you’re a carer or personal assistant (PA) it’s important you take good care of yourself.

Our Carer and Personal Assistant Insurance

If you’re a carer or personal assistant (PA) it’s important you take good care of yourself. That’s why we provide a policy that was designed with you in mind.


Key Benefits

Up to £5million public liability cover, including:

Protection against errors and omissions in the provision of medical treatment

Accidental damage to property

Accidental bodily injury to any person

Legal costs and expenses incurred in defending prosecution under food, health and safety acts

Up to £10,000 personal accident cover, with hospital allowance

Indemnity to principal – this helps by ensuring that a service user, local authority, service support group, agency or other individual/organisation through which a PA is contracted is also protected.

  • Carer & Personal Assistant Insurance Policy Summary
  • CoverSignificant Features and BenefitsSignificant or Unusual Exclusions or Limitations
    Section 1
    Public LiabilityCovers your legal liability to others including:Errors or Omissions in the provision of the following medical treatment:
    i) nursing care
    ii) administration of medicines or
    iii) first aid

    Also covers:
    • Indemnity to Principle
    • Temporary Visits Overseas
    • Legal Costs and Expenses defending criminal proceedings arising from and (alleged) breach of the Food Safety Act or Health and Safety at Work Act
    Limit £5 million, plus costs.

    No cover:
    • unless related to Support Duties
    • to Employees
    • where you have not received the appropriate training or are not formally qualified to undertake the duties performed
    No cover for liability from:
    • Punitive and exemplary damages
    • Contractual liability
    • Deliberate and Malicious acts
    You must pay the first £100 for damage to property of others.
    Section 2
    Public LiabilityProvides various benefits if you suffer accidental injury

    Additional £50 per day spent as a hospital in-patient receiving treatment for a condition qualifying for benefit above but limited to a maximum of £1,000 in all
    Limit £10,000 in all for any one insured person and £50,000 overall during the period of cover.

    Benefits range from £200 for a broken bone to £2,500 for permanent loss of use of a hand to £10,000 for death

    No cover:
    • Certain dangerous activities
    • Disease, natural causes and pre-existing medical conditions
    • Use of drugs, unless as medically prescribed, alcoholism or drunkenness.

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