Home Employment Insurance
What Home Employment Insurance covers
If you employ a personal assistant or carer to help with your independent living, this policy is for you.
Employers' Liability
In the event that your employee suffers injury or illness whilst working for you.
Public Liability
As a consequence of bodily injury or property damage to a third party while care is taking place.
Employment Support
Employment and HR advice from ILG Support, available 24 hours a day 7 days a week through a variety of means
No Excess
There's no excess to pay on a claim, so your care budget stays intact.
Personal Possessions
Repair or replacement of your PA's belongings if they're damaged during care.
Legal Expenses
Upgrade to our plus or deluxe policy and receive cover for your legal expenses following an employment dispute.
Get A Quick Quote
Need to manage your policy, add a new one or make changes?
Use our customer portal.
Looking After Individual Employers
Employment advice and legal support tailored around the specific needs of individual employers of Personal Assistants. Our pro-active, personalised approach to legal advice is designed to ensure everyone gets the level of service they require precisely when they need it. We understand that support for Direct Payments and Personal Health Budget recipients operates best when it is tailored around the needs of individuals.
As a thank you, you and all your PAs get free access to The Premier Club, with savings on big brands online and on the high street, and days out.
As partners we will work with you to provide all of your employers exclusive access to support groups both online and in person. Providing a peer to peer network with people in similar situations that our policy holders find invaluable.
Why Mark Bates Ltd
We've specialised in insurance for older and disabled customers since 1994. Our own team in Grantham handles everything, from your first quote to your claim.
More than 22,000 customers have reviewed us on Trustpilot, with an average score of 4.8 Stars, that's first class service!
Sales, customer service and claims all sit in our Grantham head office. When you call, you speak to someone who knows your policy.
Our policies are designed around the equipment, homes and working arrangements our customers have, not adapted from general cover.
FAQ
If you are employing a carer or PA you legally require Employers Liability Insurance. This is covered in all of our Home Employment insurance policies.
If your carer is self-employed (they pay their own tax and national insurance) you do not need the Employers Liability cover but may still wish to be covered for Public Liability. We also offer a Personal Care Assistant policy for self-employed carers.
There are no limits on the number of carers covered with the Home Employment Insurance policy.
The employer is the person who manages the care arrangements. This is often the person receiving care, but it can be a family member or someone acting for them.
Yes. Whenever they are with the carer, either inside or outside the home, the insurance will still cover them.
Yes. Redundancy is covered under our Plus and Deluxe policies.
We offer a 24/7 legal advice helpline through the ILG Support. They offer excellent and professional HR advice tailored to direct payments clients and they can help with any legal and/or employment queries you may have. This essential service can also be contacted by support teams and local authorities as well as our service users.
Home employment insurance is for people who employ a personal assistant or carer in their own home. It includes the employers' liability insurance the law requires, and protects you if someone claims against you for injury, loss or damage connected to the care.
Home Employment Insurance starts from £67 a year, with employers' liability, public liability and 24/7 employment support. Plus and Deluxe add legal expenses for employment disputes and redundancy cover