Premier Care Home Employment Insurance has been specifically designed to meet the need of those employing Personal Care Assistants through the Direct Payments scheme, private funding or indeed both.

A two tier cover system has been designed to offer a range of policies, all of which include the legally required Employers and Public Liability protection along with access to 24-hour, 7 days a week help-lines covering a host of subjects including Employment Law, Health and Safety and Legal and Tax issues.

  • 20

    Standard

    1 year

  • 21

    Plus

    1,2 + 3 years

    from

    £99.00

  • Employers' Liability

    Employers' Liability

    Employers' liability covers the employer for any instances where an employee attempts to prosecute the employer on grounds relating to their employment.

  • Public Liability

    Public Liability

    This covers the employer for any accident or injury that they cause another person or object as a direct result of the employer's negligence.

  • No restriction on the number of employees

    No restriction on the number of employees

    There is no limit you to the amount of personal care assistants you employ.

  • Multiple persons employing personal care assistants*

    Multiple persons employing personal care assistants*

    If there are mulitiple persons employing personal care assistants at the same address, these extra employers can also be added to the policy.

  • No Excess

    No Excess

    We don't believe any excess is necessary, so we don't add one.

  • Customer care helpline

    Customer care helpline

    Our experienced team are on hand six days a week for any policy, claim or general queries or amendments you may have.

  • 24hr helplines

    24hr helplines

    As well as our customer care helpline we also include a 24hr health + safety helpline, a 24hr legal + tax helpline and a 24hr home emergency helpline all free to use.

  • Health + safety manual

    Health + safety manual

    On top of all the helplines we also include a health + safety guide you can keep in your home and refer to whenever necessary.

  • Online web service

    Online web service

    As well as buying online you can view your policy documents and find a whole host of resources to help anyone employing in the home.

  • Legal expenses for employment disputes

    Legal expenses for employment disputes

    Up to £100,000 per claim for any legal expenses incured as a result of a claim.

  • Employee tribunal awards

    Employee tribunal awards

    Employment tribunal costs up to £1000, Employment tribunal compensation up to £100,000 per claim, Court attendance expenses up to £300 per day, Trade Union Disputes – AS STATED in the case that your employee is being represented by a trade union

  • Personal accident

    Personal accident

    Covers employer and workers in the event of an accident whilst at work for the following; Death by Accident - up to £10,000, Permanent Disablement - up to £3000, Hospitalization – cost £75 per day, Emergency dental care – up to £300, Funeral Costs - up to £1000.

  • Financial loss

    Financial loss

    Covers theft of money, home contents, and or personal possessions.

  • Shopper cover

    Shopper cover

    Loss or damage to the employer’s property whilst away from the home as a result of any of the employees being mugged in the course of their employment to you.

  • Replacement locks following loss of keys

    Replacement locks following loss of keys

    The cost of replacing keys and locks following the loss of keys whilst in the custody of your employees.

  • Damage to your employee’s personal possessions

    Damage to your employee’s personal possessions

    Covers loss or damage to employee possessions whilst they are at work.

  • Emergency dental care

    Emergency dental care

    Emergency dental care – up to £300 as a result of personal accident

  • Theft by employee

    Theft by employee

    Covers theft of money, home contents, and or personal possessions.

  • Loss or damage to your employee’s property

    Loss or damage to your employee’s property

    Claims that are declined due to negligence of the employee. Through theft of a motor vehicle, mobility product, home contents or personal possessions.

  • Redundancy Cover

    Redundancy Cover

    This provides up to £2,500 of cover for multiple employees if they are made redundant by the policy holder.

  • Identity Theft

    Identity Theft

    This cover protects you if an employee commits identity fraud and includes solicitor’s fees, and lost earnings.

  • Emergency Recruitment Costs

    Emergency Recruitment Costs

    In the event that an employee is dismissed or resigns without notice Premier Care will pay up to £250.00 towards replacing that employee.

  • Credit Card Fraud

    Credit Card Fraud

    Covers financial loss following the fraudulent use of any of your debit or credit cards by an employee up to £1,000

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In our increasingly litigious society it is extremely important that employers are adequately covered and do not leave themselves open to claims that can run into many thousands of pounds. The Premier Care Home Employment Insurance policies are designed to do exactly this allowing the freedom and peace of mind to enjoy independent living.