Here at Markel Direct, we understand that caretakers face many risks. You deal with occupational hazards including chemicals, electrical equipment and slippery surfaces on an almost daily basis. And whether you work in a school, community centre, office or residential building, you come into contact with members of the public regularly.
There’s always a risk that you could inadvertently injure yourself or a member of the public in your line of work, or you could damage someone else’s property or premises. This is why it’s vitally important to make sure that you’re financially protected.
Not sure where to start? We can help. We provide bespoke caretaker insurance solutions that are tailor-made to suit you. We’re here to help you look after your livelihood with a choice of specialist policies.
What is caretaker insurance?
Caretaker insurance is a type of financial protection that is specially designed to cover the liability needs of self-employed individuals in your occupation. It can include public liability insurance, professional indemnity insurance, tools insurance, occupational personal accident insurance and more. When you come to Markel, we can help you to create a package that fits your precise needs, so you don’t end up paying for cover you don’t require.
Public liability insurance for caretakers
Your job as a caretaker brings you into contact with a variety of people during your working day. Depending on your workplace, you could encounter schoolchildren, staff members, residents, visitors, clients, contractors and more. Unfortunately, there is always the potential that damage to property or personal injury claim could be brought against you.
Here are some examples of scenarios that could lead to a public liability claim:
- you leave the lead of your floor buffer trailing across a classroom and a school pupil trips over it and suffers a fractured wrist
- you accidentally smash some tiling while fixing a leaking tap
- you damage a heating system when attempting to carry out a minor repair.
In such situations, could you afford to pay out of your own pocket if you were faced with compensation costs and legal fees? With public liability insurance for caretakers, you don’t have to worry. This form of insurance is designed to cover these expenses and safeguard your finances.
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Do I need caretaker insurance?
It doesn’t matter how experienced or competent you are, accidents can happen when you least expect them to. Even when you take great care, there is always a risk that you may damage someone’s property or cause an injury during the course of your work. Without suitable caretaker insurance, you run the risk of being the subject of a liability claim that could leave you struggling financially. You should also bear in mind that adequate insurance may be a prerequisite for some clients. Having this financial protection in place can also help you to create a reputable image and attract business.
If you employ members of staff, you are legally obligated to take out employers’ liability insurance. This cover provides financial protection in the event that one of your employees suffers an injury in the course of their work. For example, if you task a worker with carrying heavy loads without sufficient manual handling training or the right equipment and they injure themselves, you could be left counting the cost.
You should also factor in the equipment you use. From maintenance tools and protective gear to industrial floor cleaning machines and commercial-grade window cleaning equipment, you probably rely on a wide range of caretaking tools to get the job done. How would you manage if your equipment was stolen, went missing or was destroyed in a flood or fire? If you would struggle to afford to replace it yourself, we strongly recommend that you consider taking out tools insurance.
Why choose Markel Direct for caretaker insurance?
It’s important to choose the right insurance provider, and when you come to Markel Direct, we want you to be confident that you’re making the best choice for you. Here are a few of the benefits we provide.
✔ Tailored policies
We know that no two caretaking businesses are the same. That’s why we will help you to create a bespoke insurance package that meets your exact requirements.
✔ No nasty surprises
Our pricing is completely transparent so you’ll never be faced with fees that take you by surprise.
✔ Speedy quotes
Not sure how much your caretaker insurance will cost? With Markel Direct, you can get a quote in 90 seconds.
✔ Round-the-clock access to legal experts
Waiting for answers to important legal questions can be frustrating. With our 24/7 legal advice helpline, you can speak to experienced solicitors any time, day or night.
✔ Our reputation speaks for itself
Don’t just take our word for it. Take a look at our impressive customer ratings on Feefo.com.
How to buy caretaker insurance
We make it as simple as possible to purchase caretaker insurance policies. All you need to do is fill out our quick quote form and you’ll be presented with a tailored price.
Once you’re happy to proceed, you can make payment online. You can choose to have your cover begin straight away or arrange it up to 30 days in advance.
If you have any questions about your quote or need help with buying caretaker insurance, we’re just a phone call away.
How much does caretaker insurance cost?
There’s no one-size-fits-all when it comes to the cost of caretaker insurance. A range of factors are taken into account when generating your personalised premium, including whether you’re a sole trader or operating as a partnership or limited company, how many workers you employ (if any) and whether you have any additional professions or activities.
To discover exactly how much your insurance will cost, get a quote today.