Do I really need insurance?
If you are a care worker who is working for themselves, you require professional indemnity and public liability insurance to protect yourself should anything happen to your client whilst you are providing care to them.
I’m very careful, do I still need insurance?
The role of a care worker requires 100% attention, 100% of the time. However, you are a human rather than a robot and inevitably mistakes will happen. It’s therefore vitally important that you, as the care worker, take good care of yourself – a key part of which involves ensuring that you are fully covered with appropriate insurances.
This is necessary because you as a care worker may be liable for any injuries, mistakes or errors that occur in the care of your client. This can involve anything from giving incorrect advice to their injuring themselves whilst in your care.
Am I responsible for my client’s mistakes?
Care workers provide vital and life changing services that also carry with them a huge amount of 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. Caring for those with little or no sight in particular, often requires you to make judgements and decisions for another person and give them advice on key issues.
The nature of the job
Most care 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 care worker). It is not uncommon for a care 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 care 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 care and support to those who need it most.
Mable has worked with Berkshire Hathaway Specialty Insurance and Gow-Gates Insurance to establish a suite of covers that are made available to all its affiliated care 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 the 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 care, personal care, and domestic and social care services to Care Recipients.
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.