Essential insurance cover for social workers and care staff – are you adequately covered?
Social workers and staff in the care industry are in a unique position of responsibility. You face unique situations and meet a range of different people and personalities every day, which means you are faced with a range of unusual risks.
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?
Check your policy details
- 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.
Most contracts insist on certain types and levels of insurance cover being held by the worker, these include: professional indemnity, public liability, employers’ liability, and personal accident insurance.
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.
Caunce O’Hara provide comprehensive insurance cover for a broad range of roles for social care workers, including: counsellors, care managers, best interest assessors, dieticians, occupational therapists, probation officers and house sitters. Our social worker insurance policies provide cover for the potentially expensive legal costs you could face in the event of a claim made against you.