Our Home Employers range of insurance products has been specifically designed for individuals who, out of necessity or choice, employ people in their home in order to allow them to follow a particular lifestyle
This policy provides a unique range of covers that are highly desirable to protect your position as an employer of individuals whilst in the course of their employment by you. In addition, there are benefits for your employee should they suffer injury or damage to their property whilst working for you where you may feel morally responsible.
This policy is specifically designed to provide individuals that employ people in their home with financial protection should they have to continue to pay an employee that is unable to attend work due to an accident or sickness. Cover is available for persons aged between 16 and 75 for accident, but sickness cover is not provided for persons aged over 55.
A large number of employers in the home utilise the services of professional nannies. Whilst this policy has been specifically designed for them rather than their employers, our research suggests that cover is often instigated at the behest of the employer. As well as providing public liability insurance up to £5M, the package of covers also provides as standard personal accident, personal possessions, legal expenses and helplines.