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Direct Payments & Home Employment Insurance

Employers Liability, Public Liability & Legal Expenses cover for people receiving care through Direct Payments.

If you have a Direct Payments funded Personal Assistant, you are regarded as an employer under UK law and have specific responsibilities to your employees. Things such as managing payroll, taxes and having the right insurance, are crucial things for you to consider.  Fortunately, you do have the option to appoint a third party to provide direct payments guidance, maintain your personal budget, payroll and insurance, if you would rather not have that extra responsibility.   

You can obtain personal health budgets as disability direct payments that allow you more freedom over the support you receive, for example;

  • Arranging Personal Assistance with specialist expertise
  • Ensure that the Personal Assistant is fluent in the same language
  • Opportunity to purchase things that offer independence such as Mobility Scooters and Wheelchairs.

Here at, we are in partnership with, and underwritten by SAGIC! SAGIC stands for - Salvation Army General Insurance Corporation. As the charity's main focus is to help people in need we have tailored an Insurance Policy for people receiving financial support from the government to fund Personal Assistants and Carers.

Whether you have a managed or un-managed Personal Budget, our policies provide the insurance cover that you are legally required to have if you employ Personal Assistants or Carers.

Our policy is comprised of Employers Liability, Public Liability & Legal Expenses, to provide comprehensive cover against potential claims risks such as;

    • Claims against you in the event of injury to your employee
    • Claims against you/your employee in the event of injury to you or a third party
    • Claims against you/your employee as a result of damaged/lost property & more

With 3 different levels of cover with a range of benefits tailored to your needs with the aim to allow you to live life confidently. Some of these benefits are; emergency dental cover, motor theft, employee negligence, redundancy cover, travel, medical expenses & much more. 

We also offer cover for;

  • Self Employed Carers
  • Employed Carers and Agencies 
  • Mobility Scooter Insurance

Who to contact

Contact Name
Contact Position
Customer Services
01268 200 020

Where to go

Head Office
Unit 3, Hadleigh Park Business Park
Chapel Lane

Our office is not a customer site as our business is primarily digital and via the telephone.

Time / Date Details

When is it on
Our supportive Customer Service team are available to help Monday to Friday 9am until 5pm, though you can find more details and even set up your own policy in minutes on our easy to navigate website.
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