How we can help your carers support organisation

Carers support organisations provide essential help to people who look after family members or friends who are ill, disabled or otherwise unable to manage alone. 

Many offer peer support groups, respite activities, wellbeing sessions, outreach services, advice, training and practical guidance. 

Whether your organisation runs local support groups, coordinates activities for carers and their families, undertakes home visits, provides advice or offers specialist programmes, having the right insurance in place ensures your team, volunteers and service users are protected.

Our advisers understand the varied nature of carer support activities and will design insurance that reflects the needs of your organisation.

Who this insurance is for

We can arrange cover for a wide range of organisations, including for example:

  • Unpaid carer support groups
  • Young carer support programmes
  • Parent and carer networks
  • Respite and wellbeing groups
  • Community carer support services offering activities or training
  • Organisations providing home visits, telephone support or outreach
  • Local charities supporting carers of people with long term illness or disability

We advise and arrange insurance for groups of all sizes, from small volunteer led networks to larger organisations.

Why carers support organisations need insurance

Supporting carers, as with other types of peer support groups and charities, have their own unique risks, which may include:

  • Injury or property damage connected to meetings, activities or events
  • Requirements from hired venues to hold public liability insurance
  • Claims brought by volunteers or staff involved in support activities
  • Home visits or outreach that involve entering private homes
  • Advice or guidance that carers may rely upon
  • Use of equipment such as laptops, craft materials or training resources
  • Activities involving young carers, who may have additional vulnerabilities

Appropriate insurance gives you confidence that your organisation is protected and able to continue providing essential support.

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What types of cover we can provide

Our advisers will discuss your activities in detail and recommend appropriate cover. This may include:

Public liability insurance

Protects your organisation if someone is injured or property is damaged as a result of your activities. Frequently required by venue providers.

Employers’ liability insurance

A legal requirement for organisations with paid staff. Volunteers are also often treated as employees under policy wordings, making this cover important even for volunteer led groups.

Abuse cover

Essential where organisations work with vulnerable adults, young carers or children, particularly during one-to-one sessions or home visits.

Professional indemnity insurance

Protects you if you provide advice, training or guidance that carers or families rely upon.

Trustee and management liability

Covers trustees and committee members against claims related to negligence, errors or omissions in governance or administration.

Equipment and contents cover

For laptops, phones, activity materials, training equipment or other items used in your work.

Cyber insurance

Useful for organisations that hold sensitive information about carers or the people they support.Personal accident and money cover

Covers for organisations that handle cash or wish to provide defined benefits after certain injuries.

How our advisers support you

Carers support organisations often work across multiple environments and support people with differing needs. Our specialist advisers:

  • Take time to understand how your group operates and who you support
  • Identify risks linked to vulnerable individuals, young carers and family based support
  • Review outreach, home visiting and group activities to ensure you have the right insurance in place
  • Explain policy options clearly so you can make informed choices
  • Approach insurers experienced in supporting community and voluntary organisations
  • Highlight any practical steps to reduce risk and strengthen your insurance position

We aim to make arranging insurance as straightforward and personable as possible.

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Your questions answered.

Support organisations will often purchase this cover as this protects you if someone is injured or their property is damaged due to your activities, and venues often require it.

Volunteers are often treated as employees for insurance purposes, so this cover is important even without paid staff.

If you support young carers or vulnerable adults, or carry out home visits or one-to-one activities, abuse cover is recommended. Speak to us about the way your group operates.

Yes. Most sessions and activities can be included as long as we understand what is involved.

We can include these activities, and will build a policy that reflects the risks you have. 

No. Our advisers guide you through the process and ensure everything is explained clearly.