It doesn’t matter whether you run a start-up or whether you run an established organisation. It’s so important that you have domiciliary care insurance because if you don’t, then you may find that you are putting yourself, your company, and the people you look after at risk.
Who Needs Domiciliary Care Insurance
If you aren’t sure if you need domiciliary care insurance then you should know that if you provide personal care, nursing care, or administer medication, you’ll need cover to safeguard you from risk. If you provide any kind of carer respite service, night care, or even meals on wheels, then you’ll also need it. The same applies to those who work in a supported living facility, or those who provide general tasks, including gardening services.
The Benefits of Having Domiciliary Care Insurance
It doesn’t matter what care you provide because if you provide personal services, you have to make sure that you are covered. It may be that you bathe, dress, or even administer medications to the people you look after. If you provide services such as cooking, cleaning, shopping, and laundry, then it is also important that you have the right level of insurance. If you don’t, then if something was to go wrong, you would be putting your company at risk. It may be that someone sues you for a simple mistake, or that disaster strikes, and you are liable for it. Either way, there are things that you can do to protect yourself, and it all starts with taking out a reliable insurance policy. With the right coverage, you can rest assured knowing that if the worst was to happen, you would not have to worry about paying for the financial consequences. Your insurance policy will pay out for you, and this will give you a lot of peace of mind.
How Domiciliary Care Insurance Covers You and your Business
The one thing that you need to know about domiciliary care insurance is that it gives you a combination of coverage, so you can protect your firm. It may be that you are covered for employer liability and public liability, not to mention that it is possible to get broader cover as well. This can include theft, business interruption, or treatment liability. If you want to get the right policy, then you need to work with someone who is able to cater it to the needs of your business. Your provider should ask you what yearly turnover you have, the kind of clients you serve and what your background is.
So, you really need to make sure that you have this kind of cover if you work as a caregiver. If you don’t, then you may find that you end up not being able to provide an adequate level of care to those you work with without having to deal with some level of risk. Want to find out more? Contact us today. We would be more than happy to help you with any questions you have.