Independent Support Workers Caution: Don’t be caught uninsured


Independent Support Workers Caution: Don’t be caught uninsured


Do I really need care worker insurance?

If you are a support worker working for yourself, you require professional indemnity and public liability insurance to protect yourself should anything happen to your client whilst you are providing support to them.

I’m very careful, do I still need insurance?

The role of a support worker requires 100% attention, 100% of the time. However, you are a human rather than a robot and inevitably mistakes can happen. It’s crucial you, as the support worker, take good care of yourself – such as ensuring you are fully covered with appropriate insurances.

This is necessary because you as a support worker may be liable for any injuries, mistakes or errors in your client’s support. This can involve anything from giving incorrect advice to their injuring themselves whilst in your care.

Am I responsible for my client’s mistakes?

Support workers provide vital and life changing services that also carry with them huge responsibility.

Often working as somebody else’s eyes and ears, you are constantly having to think, act and react on behalf of someone other than yourself.

The nature of the job

Most support workers perform a vast variety of tasks on a daily basis, often having to work quickly and under high pressure. In a day, you may find yourself doing anything from bathing and dressing your client, to offering reminders for prescribed and non-prescribed medicines or doing grocery shopping. Any of these types of services require you to be insured. The simple nature of this work includes many risks; from your own personal injury, to errors, accidental loss, alleged abuse claims and other liability issues.

Why Professional Indemnity Insurance?

Professional Indemnity Insurance will protect you if you are sued for an act, error or omission in relation to the provision of your professional services (as a support worker). It is not uncommon for a support worker to be held liable for a mistake even when there is no negligence involved.

Legal issues relating to Professional Indemnity can be complicated and may result in you as a professional support worker incurring substantial legal costs in order to protect both your livelihood and professional reputation.

By ensuring that you have purchased Professional Indemnity Insurance you will be guaranteed cover for damages awarded against you, including costs or expenses incurred in defending the claim.

Relax, Mable has you covered

Ensuring that you have insurance protection will allow you the peace of mind to be able to carry out your job to the best of your ability, delivering support to those who need it most.

Mable has worked with Canopius and Axis, part of the Lloyd’s syndicate, and HMD Insurance Pty Limited (HMD) to establish a suite of covers that are made available to all its affiliated support workers when providing services arranged and invoiced through the Mable platform.

Subject to the terms and conditions of the policies, the covers provide you with additional peace of mind if you face costs and damages awarded against you as a result of a claim arising from the provision of approved nursing support, personal support, and domestic and social support services to clients.

Important Note! The cover only applies for work that is arranged and invoiced through the Mable platform. You will not be covered for work arranged or invoiced outside the Mable platform.