0333 03 41 101 | info@blueskybrokers.org
0333 03 41 101 | info@blueskybrokers.org
Support provided by our specialist team.
Support provided by our specialist team.
Free training funded by Skills for Care
Support provided by DD Payroll (sister company):
Find like-minded people through our sessions
Get information from the source through our tailored webinars:
Free training funded by Skills for Care
As an employer, you need Public Liability Insurance to protect yourself, your home and your employees. Public Liability insurance can be called ‘Employer Insurance’ ‘Home Employment Insurance’ etc.
As an employee, you can cover yourself further with Employed Carer Insurance. Self-Employed Carers must have further Insurance to cover themselves and their business.
| Feature | Mark Bates | Fish Insurance | Surewise |
|---|---|---|---|
|
Employers Liability |
Up to £10 Million |
Up to £10 Million |
Up to £10 Million |
|
Public Liability |
Up to £10 Million |
Up to £10 Million |
Up to £10 Million |
|
Legal Expenses |
Up to £200,000 |
Up to £200,000 per claim / £2 million per year |
Up to £100,000 |
|
Accidental Injury (any person) |
Yes |
Yes |
Yes |
|
Accidental Damage to Property |
Yes |
Yes |
Yes |
|
Medical Treatment Errors/Omissions Cover |
No |
Yes |
No |
|
Indemnity to Others (including principals) |
Available upon request (additional) |
Yes |
Yes |
|
Damage to Rented/Leased/Hired/Borrowed Property |
Yes |
Yes |
Yes |
|
Overseas Personal Liability |
Yes |
Yes |
Yes |
|
Redundancy Cover |
Yes |
Yes |
Yes |
|
Personal Accident Cover |
Up to £15,000 |
No |
Up to £15,000 |
|
Possessions Cover |
Yes |
£1,250 for additional care costs |
£250 |
|
Financial Loss Protection |
Yes |
Yes |
Yes |
|
24/7 Legal/Employment Helpline |
Yes |
Yes |
Yes |
|
Letter Writing Service |
Yes |
Partner provider – Peninsula |
No |
|
Other Notable Benefits |
Pension support, rewards club, employment handbook |
Highest liability & legal limits; extensive advice lines/resources |
No excess; healthcare tasks included. Guidance with letter writing |
The Employer Information Hub is a dedicated space for personal budget and direct payments employers to access resources, handbooks, videos, guides, and FAQs—all in one place. It’s designed to help employers feel more confident and informed about their responsibilities.
Yes – the direct payment arrangement means you are the legal employer of your PA or carer. The support service assists you with employer responsibilities (such as tax, NI, pension, insurance) but does not replace your role as employer.
Many personal assistants do not need formal care qualifications unless your support plan or specific tasks require them.
Recruitment support may help you target the right candidates, but the availability of specialist PAs will depend on your area.
Some support services work with both social-care and NHS continuing-healthcare budgets, but this would need direct confirmation.
Our card is a fully vetted and verified ID for carers both paid and unpaid. If you are a direct payment employer or PA you can finally get recognised for the hardwork you do on the daily!
Simply head to our website, click apply now and follow the steps! Select exactly what information you want to show and we will send the card out to you.
