Our All-in-One Insurance Policy

We know that dealing with insurance can be a hassle, which is why we've created a simpler and more comprehensive solution just for you. Gladys has partnered with Mark Bates Ltd to introduce a new, all-in-one policy that provides peace of mind and frees you up to focus on what you do best: providing great care.

We believe this is the most comprehensive policy on the market. The best part? If you don't work, you don't pay. We'll handle the admin so you don't have to.‍

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What is the Gladys Ltd. Insurance Policy?

As a self-employed carer working through Gladys, you are covered by a master insurance policy with Mark Bates Ltd. This is a great benefit because it provides peace of mind and financial protection for you, your clients, and us, with an aim to make sure that no one is left exposed.

Key Benefits of Your Cover

This policy, through Mark Bates Ltd, provides essential protection for a self-employed carer or helper, covering you not just for your Gladys clients but also for any other private clients you may have.

Here are the key benefits included:

Public Liability
‍You are covered for claims up to £2,000,000 if you accidentally cause injury or damage to someone’s property.

Legal Expenses
Up to £25,000 towards legal costs if you need to go to court for a covered incident.

Personal Accident
Up to £10,000 if you suffer an accident while at work.

Personal Possessions
Up to £250 cover if your belongings are damaged or lost while working.

Client's Possessions
Up to £250 if your client’s belongings are damaged or lost while you’re at work.

24/7 Legal & Tax Helpline
‍Access to ILG Support for round-the-clock advice

No Excess
You won’t pay anything towards a successful claim.

Your Insured Tasks Include:

Personal Care
Preparing food, bathing, dressing, and assisting with mobility.

Medical Assistance
‍Administering medicines and providing first aid.

General Domestic Duties
Housekeeping, shopping, basic maintenance or gardening.

Child and Pet Care
Cooking nutritious meals and assisting with eating, ensuring dietary needs and preferences are met.

Companionship
Accompanying clients on social, domestic, or leisure outings.

What Makes This a Good Policy for Self-Employed Carers?

This policy is designed specifically for you, a self-employed carer working through Gladys Ltd., which means it's tailored to the work you do every day.

The policy protects you in case of injury or legal issues. This is crucial for a self-employed professional, as it protects your personal finances from potential legal costs and damages.

Applies to All Your Clients: This policy covers you for all your clients, not just those you find through Gladys.*
‍No More Lapsed Policies: We handle all the administration, so you no longer have to worry about your policy expiring or forgetting to renew.
‍Income Protection: The Personal Accident cover gives you financial support if you have an accident and cannot work.
‍Simplified Billing: We handle the admin and deduct a small, fixed amount from your pay to cover the cost, so you only pay for the hours you work.
‍Peace of Mind: This policy gives you, your clients, and us peace of mind, allowing us to spend more time supporting you and finding you more clients.

How am I insured for work outside of Gladys?

We thought that this would be a great perk for carers working through Gladys. It was a nice way for us to get you something extra for nothing.

Here is how it works in practice. If you work with Gladys in August, you are covered and if you have an issue with a client outside of Gladys, you can claim through this policy in August. If you do no work with Gladys in September, and you have other private / agency clients, this policy would not cover you for a claim in September.

The main purpose of this policy is to ensure that every client and carer is adequately protected when they are working with us.

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Policy Costs

From 1st September 2025, all carers working with Gladys will be charged 0.10p per hour of care delivered.

How it works for live-in care
For live-in, we will charge for the hours you are due to work. A standard day is assumed to be 10 hours. Therefore, you would pay 10 x 10p for a standard day. If you charge for ‘overtime’ / ‘waking nights’ etc then 10p is added for every additional hour worked.

We thought that this would be a great perk for carers working through Gladys. It was a nice way for us to get you something extra for nothing.

If you do not wish to be included in the Gladys master policy, you must provide proof of your own valid insurance (including annual renewal documents) and pay a £25 annual admin fee for processing and compliance checks.

Frequently Asked Questions

How do I make a claim?

Call 01476 514471 or email claims@markbatesltd.com. Have your policy number to hand.

What if I accidentally damage my client’s property?

This is covered up to a limit of £2,000,000. It's important to note that brittle or fragile items have a specific limit of £1,000. The policy also includes up to £100 for the cost of repairs if you need to force entry due to a medical emergency.

What if I use my own car for work?

This policy does not cover incidents involving your own car. If you use your vehicle for work, you must inform your insurer and ensure your policy includes business use to ensure you are adequately covered.

What if I am threatened with court proceedings?

If the incident is covered by the policy, the insurer will handle the matter on your behalf, communicating with third parties, their lawyers, and the court.

What if my job includes looking after children?

Covered, provided it’s only a minor part of your duties and the children belong to, or are the responsibility of, your client.

What if I have a query on a legal or taxation matter?

The policy includes a free legal and tax advice helpline to assist you with such matters. You can reach the helpline through the contact details provided in your policy.

How long does my insurance last after I stop working for Gladys?

*Your insurance is tied to your active status on the platform. Once your last shift with a Gladys client is completed, your coverage remains valid until the very last day of that calendar month. It will then end on the first day of the next month.

What to do if you have a complaint?

If you have a problem with your policy and it hasn't been resolved to your satisfaction, you can make a complaint. You should first contact The Compliance Officer at Mark Bates Ltd. by email at complaints@markbatesltd.com or by phone at 01476 593887.

If you're still not satisfied, you can refer the matter to The Compliance Officer at China Taiping Insurance (UK) Company Limited.

Where can I find the policy documents?

For a full explanation of the complaints process and other details, contact us to view the policy documents:

Under 10 Hrs
Over 10 Hrs inc. Healthcare
Over 10 Hrs inc. Private Work
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Customer Service Contact
‍For any other questions, call 01476 514478.

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