There are people in this life, who want a job purely to make lots of money and to live an extravagant lifestyle. There are others, however, who want a job that allows them to make a real difference in other people’s lives. They get a wage that allows them to lead a fairly frugal lifestyle, but they are not going to become millionaires, that’s for sure. There is a lot to be said about someone who sees their job as a vocation in life and who wants to make a real difference. Becoming a care worker is one such occupation and many care workers are self-employed, and so need the necessary comprehensive insurance that covers them for all eventualities.

Accidents do happen.

This is insurance, not only for the worker, but for the client as well, and should the client hurt themselves whilst you are looking after them, then you are liable for that, because you are supposed to performing a duty of care for them. No matter how hard you try to be careful, accidents can happen, and they happen when you only look away for a brief moment. When you have the right type of disability support worker insurance, then this will cover you in the event that it is found, that it is your fault that a personal injury occurred, or that you made a mistake when administering their medication.

It is your responsibility.

Many people think that if a patient falls and hurts themselves through no fault of your own, then, you cannot be held liable. However, the truth is the opposite of this and the fault can still fall on you. You may be only doing simple tasks like helping them to shower or bathe, providing them with their necessary medication, or even driving them in your car to a hospital appointment, or even for some shopping. If they managed to hurt themselves in your care, then you are liable for that and you need the necessary insurance to be in place.

Some support workers give very little thought to protecting their future income in the event of an accident, or they themselves become ill. You need to remember, that if you are the sole breadwinner in a household, then the whole family is relying upon you to take care of them. If you get hurt performing your job, or you get sick, it is important to have the right insurance in place to cover your medical expenses, your mortgage payment if you have one, payments for your car, and then of course, all of the necessary payments that are needed in order to run a busy household.