Essential insurance cover for social workers and care staff – are you adequately covered?
From mental health care to caring for children and families, a specialist and comprehensive social workers insurance policy can cover you for the day-to-day risks you face.
Some organisations offer insurances as part of their annual membership fee, but do you really know if those policies provide you with an adequate level of cover should the need to make a claim arise?[/vc_column_text]
- Read your policy documents carefully to ensure you fully understand exactly what your insurance covers and any exclusions that apply.
- Are you working with children? If so, you need to make sure you check your policy details carefully, to ensure you are adequately covered, as exclusions can vary from one insurer to another.
- If you employ staff, even in your own home, you are legally obliged to carry employers’ liability insurance. At the very least, not doing this can lead to a heavy fine.
Other policies that can be beneficial, include: Tax Enquiry and Legal Expenses cover (with the option of adding Contract Review for IR35), which will provide you with £100,000 of cover against legal costs incurred for any action taken against you.[/vc_column_text]