Exclusive, tailored support
We don’t sell insurance ourselves, and we aren’t qualified to give financial advice.
Everyone’s circumstances are different, so always take independent, expert, qualified advice before buying insurance.
These are the different types of insurance Shared Lives carers need.
Our partners can support you with:
- Public liability insurance – up to £10m
- Legal expenses cover – up to £100,000
As a member, these services are available, so you know there’s back up when you need it, if for example, someone makes a claim against you in your role as Shared Lives carer, or you face de-approval from being a Shared Lives carer.
Public liability insurance and full carer membership
Many companies/local authorities offer public liability insurance, but coverage varies. This is why we have developed specific insurance with expert insurers, especially for Shared Lives carers, giving you peace of mind at a competitive rate.
If you already have public liability insurance, you can choose to be a basic carer member. But you need to check your insurer understands your role as a Shared Lives carer, should someone make a claim against you. If not, you can upgrade from basic to full membership of Shared Lives Plus for around £48.
If you choose full membership of Shared Lives Plus, public liability insurance is included.
About public liability insurance
We work with a trusted insurance provider who understands Shared Lives and offers a policy designed specifically around family-based Shared Lives arrangements. This ensures your home life and caring role are recognised and properly covered.
Find out why the Association of British Insurers recommends public liability insurance
Why do Shared Lives carers need public liability insurance?
Public liability insurance protects Shared Lives carers from claims from a third party (someone else), arising from personal injury or property damage to a third party as a result of alleged negligence on your part.
When you care for an elderly or disabled person, you may be held legally liable if someone suffers injury or loss as a result of negligent acts or omissions in your care or supervision.
The public liability insurance that is included in full membership is arranged by Everywhen (formerly Towergate) who have many years of understanding the unique nature of family-based Shared Lives care and have developed a policy which provides effective and broad cover.
Everywhen’s Public Liability policy also includes cover for Shared Lives carers being sued by a service user for abuse cover for physical, mental or financial losses.
Everywhen only offer PLI to current Shared Lives Plus carer members who are operating within the definition of Shared Lives care by Shared Lives Plus.
“It was really good to have someone to talk to who actually knew how things worked and could give really helpful advice. ”
Read and download our public liability insurance guide for a summary of the insurance included with full membership and answers to common questions.
Legal expenses cover
As a member, you have access to dedicated support and legal expenses cover, including:
- Support if accused of abuse or neglect – Legal costs are covered if you are accused by the person you support, a family member, or another party.
- Civil claims coverage – Legal expenses cover provides access to legal advice and covers legal defence costs and certain associated legal expenses.
- Safeguarding/adult protection or police investigations – Legal representation during eligible safeguarding/ adult protection or criminal investigations.
- Employment-style disputes – Costs are covered for disputes relating to your role as a Shared Lives carer.
- Access to general legal advice – You can obtain guidance on issues such as housing, family matters, or consumer concerns.
De-approval
No one expects to face de-approval, but sometimes situations are beyond our control. If it ever happens to you, we’ve got you covered with assistance from specialist solicitors in response and in appeal of de-approval issues.
No one expects to face de-approval, but sometimes situations are beyond our control. If it ever happens to you, we’ve got you covered.
If you do find yourself facing de-approval proceedings, contact our specialist legal partners: Markel Law 0333 344 4881.
After an initial conversation to understand your situation, you’ll be connected with a specialist solicitor who can provide advice tailored to your needs.
Become a member – call 0151 227 3499
