Home Help Policy
Great Value for Money
Our pricing is highly competive and using our service will give you exceptional value for money.
Avoid Problems
Our professional and extremely reliable service will avoid costly and time consuming problems withyour employee, HMRC and the Pensions Regulator.
Save Time
Trying to deal with PAYE yourself will waste huge amounts of your time. Let us deal with all the day-to-day stuff.
Insurance
Employer’s Liability Insurance & More
All employers must have Employer’s Liability Insurance. It is a criminal (not civil) offence to employ someone without having this insurance in place. This may be provided for employers of domestic staff (including nannies) under an existing household contents policy but if you have such a policy in place, you need to check the cover directly with your insurance provider. Please do not confuse “Public Liability” cover (which all household contents policies will have) with “Employers Liability” cover which is quite different to Public Libility cover.Â
If you are not completely certain that you have Employer’s Liability cover in place, PAYE for Nannies has sourced a suitable insurance product that has been designed by a leading insurance provider specifically for individuals who employ people in their home. This product provides additional benefits over and above any basic cover provided as part of a household contents policy. If you take out this insurance it will ensure you are legally compliant in such a hugely important area. The policy provides a unique range of covers that will protect your position as an employer of individuals whilst in the course of their employment by you. In particular, it offers the following:
Employers’ and public liability – The Home Help policy provides £10million of Employer’s Liability cover and £5million of Public Liability cover, which is more than meets your legal obligation to provide liability cover.
Legal expenses and compensation awards – current legislation provides employees with a broad range of rights which apply in the home as much as they do factory or office workers. However good your current relationship is, there is always the possibility that this may deteriorate following a change of circumstances. What may initially seem to be a minor issue can quickly escalate and without warning you find that you are being summoned to appear before a court or tribunal. This policy provides a specialist legal advice service that will listen to the problem and advise on the action that should be taken in order for you to resolve the matter within the guidelines of current legislation. However, if, despite taking this action, the matter is referred to a tribunal the policy will pay for the cost of your legal expenses and any compensation awarded against you up to £100,000. Therefore, this policy will offer support, guidance and financial protection for a situation that without such assistance can become a very stressful, time consuming and costly experience.
Personal accident – if an employee suffers an injury whilst working the employer may feel morally responsible even though there is no legal liability attaching. This cover provides a benefit should certain types of injury arise providing compensation for situations that may be either permanent (loss of an eye) or temporary (broken arm).
Financial loss – A range of benefits for financial loss the employer may suffer following the acts of their employees, such as causing an insurance policy to fail. It will also compensate employers in cases where employers have suffered loss of property or money by improper use of credit cards.
Helplines – a 24 hour helpline is provided for employment and health and safety matters. This is an extremely valuable benefit.
Home Help Policy
Key features
Guarantees compliance with your legal requirements.
Provides access to a 24 hour employment helpline.
Legal Fees
Financial protection against legal fees and costs of a tribunal
Personal accident
Benefits for employees in case of personal accident whilst working
Financial loss
Compensation for the employer in cases of theft by employee
Helplines
24 hour helpline for employment and health and safety
