At Elder, we strongly believe in protecting yourself and creating a safe working environment. In the event of an accident on placement, you may be held liable for any damages and legal expense. As a self-employed professional, it is your responsibility to maintain your own adequate workers' insurance.
Elder has a £5,000,000 public liability policy with Camberford Law PLC (the “Policy”). The Policy covers each self-employed carer when they are in the property and covers accidental damage to a property. The Policy includes a £250 excess in relation to any claim for accidental damage to property and this will be for the customer's account, not the Company.
It is the sole responsibility of self-employed carers on the Elder Platform to maintain adequate workers' compensation (or, if permitted by law, occupational accident insurance), unemployment, liability, and other forms of insurance, in each case with insurers reasonably acceptable to Elder, with policy limits sufficient to protect and indemnify Elder and its affiliates, and each of their officers, directors, agents, employees, subsidiaries, partners, members, controlling persons, and successors and assigns, from any losses resulting from the conduct, acts, or omissions of Care Professional or Care Professional's assistants, agents, contractors, servants, or employees.
Elder has partnered with Fish Insurance to help you get discounted insurance.
Working as a self-employed carer on the Elder platform gives you greater control and choice about how you work.
Having the right insurance can cover the cost of compensation and legal fees if you are held liable for any injuries, damages or accidents which other people may suffer, and also cover you for damages which you may suffer too.
It is your responsibility to source adequate workers' insurance, provide your client's evidence of a policy taken out for the duration of your placement length and provide Elder with a certificate of policy when requested.
You can upload evidence of your policy certificate via the ElderHub within the Personal Information section on your profile. If you’re unable to do so, please email [email protected]
For over 45 years Fish have been providing specialist insurance products to protect people in the UK within the disability, mobility, and care sectors. That's why Elder has partnered with Fish Insurance. Self-employed carers on the Elder platform will be able to purchase Carer and Personal Assistant Insurance with Fish Insurance for a discounted rate of £59* per annum (usually £89 per year) which provides cover for public liability and other benefits for carers carrying out their working duties.
Some of the key benefits of Fish's Carer and Personal Assistance Insurance Policy include:
Protection of up to £5 million against error or omission in the provision of medical treatment that you are qualified to undertake, including nursing care, administration of medicines or drugs issued with or without prescription, or first aid.
Personal accident cover if you suffer serious accidental bodily injury during the course of the provision of support duties of up to £50,000. Please note that claims caused by or resulting from infectious or contagious disease are not covered.
* Discount automatically applied when getting a quote via the link. Fish Insurance reserves the right to withdraw this offer at any time and without giving reason.