Carers and Personal Assistants (PAs) support individuals with specific needs across various aspects of daily life. Through emotional, physical, and mental assistance, they strive to enhance well-being and promote independence for those in their care. However, like any profession, caregiving carries inherent risks, with numerous potential incidents and accidents that may occur in the course of their duties.

Carers Insurance policies are designed to offer comprehensive protection for Self-Employed Carers, Home Carers, Personal Assistants, and their employers. These policies typically provide liability coverage against claims arising from accidental property damage, personal injury, or associated legal expenses.

There are also specialised insurance policies specifically designed to safeguard Personal Assistants (PAs) against liability claims arising from incidents in which they may unintentionally cause harm to their employer—for example, inadvertently spilling a hot beverage and causing injury.

It is recommended that you check with your Self-Employed PA to ensure they have the right cover in place to protect you and themselves.