Let's talk about the unknown world of disability insurance specialists!

On today's podcast, I'm joined by David Robson of Mark Bates Ltd who are the UK's largest disability insurance broker. David shares that approximately 250,000 people trust Mark Bates Ltd with their insurance, whether it be from a home employment matter, when a customer needs employment liability or public liability, all the way through to home insurance where there are high levels and high value pieces of equipment to help the client live a more independent life.

David has worked in insurance for 15 years and is CII qualified but moved into the disability insurance sector five years ago. Today we discuss many things including the fact that for a lot of people with varying disabilities, it is incredibly difficult for people to get the right insurance for them or the premiums are so ridiculously high, they become unaffordable. 

An important topic that David brings up is that from a home employment perspective, when a service user or a client employs their own care teams, by law, they must have employers' liability. An agency employee will be covered by their insurance but if you employ someone through direct payment they must have their own insurance. David then shares the different types of support that his company gives people including public liability insurance, redundancy support and more. He also points out that if the person doesn't have insurance they can receive a fine of up to £2,000 per day.

We talk about being insured through your bank and something I found out that surprised me is that most banks stop covering you once you turn 70 years old. For a lot of people they still like to travel then and are unaware that they're not insured!

To find out more about Mark Bates Ltd visit www.markbatesltd.com or email David on davidrobson@markbatesltd.com