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Personal carers insurance

Insurance for self-employed carers and personal assistants

We provide insurance cover for people who are working as carers or personal assistants. Our packages include public liability, and personal accident cover specialised for your work in individuals’ own homes or in the community.

Taking care of your insurance is just one way our team can support you as a self-employed or private carer. We're here to manage your risks to protect you and the people you care for.

  • Commitment
    We understand the unique pressures, challenges and risks you face each day. Our team of experts is dedicated to making the buying of insurance as easy as possible for you, and one less thing for you to worry about.
  • Experience
    Because we're experts with years of experience, we can arrange insurance that's tailored to protect you through our specialist insurer.
  • Support
    We're here to do the hard work, so you can focus on delivering excellent care. Our dedicated carers team will offer advice and support when you need it.

Get in touch with our health and care insurance team

How our carers insurance protects you

We have years of experience working with many businesses and professionals throughout the care sector. We know the daily risks you face as a carer: personal injury, accidental loss, alleged abuse claims and other liability issues. Self-employed carer insurance and private carer insurance can protect you against these risks.

We're here to help you manage everyday challenges and risks, protect your reputation, and make sure your insurance covers you for the services you provide.

Our standard insurance policy includes cover for:

  • £5m public liability insurance (£10m limit optional)
  • Alleged abuse
  • Personal accident up to age 80
  • Administering prescribed and non-prescribed medicines
  • Temporary visits abroad whilst working
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Get individual carer insurance today

Quote and buy individual carer insurance online. Our insurance for care workers starts at just £84.80 per year.

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Ready to renew?

If you're already a client and are ready to review your policy, follow the link below to login.

Starting your own care business

Starting a home care business?

You can protect yourself against the daily risks you face running a care business. A single policy can include cover for: personal injury, accidental loss, alleged abuse claims and other liability issues.

Frequently asked questions

Yes. We would advise any business to have public liability insurance in place, whether you occupy a premises, work away, or visit people's homes as part of your work.  Yes, these duties are covered by our carers insurance along with the other activities noted above under the section Carers Insurance, What do we cover?   In the event of a claim, it is likely you will be asked to provide proof that a risk assessment has been done prior to undertaking an activity for the first time. No. Once your renewal date has passed, you will need to purchase a new policy, which can be done online or over the phone. If you experience problems taking out a new policy online, please let us know. It's important to know that you will have a gap in cover if you do not renew your policy in time. This means if a claim arises for the time you did not have insurance in place, it would not be covered.  No. This policy must be paid for in full at the time of taking out the policy. No, our policy doesn’t cover insurance to take clients out in either your own or the care recipient’s car.  It is your responsibility to ensure you have the correct insurance in place with your car insurance provider. If you continue to experience problems please call us. Yes. Your policy will not automatically renew, but we will write to you or email you 30 days before your renewal date. We can't automatically take a payment to renew your policy because we don't hold bank or card details, so you must confirm if you want your policy to continue. Payment must be made before the renewal date online, over the phone, or by bank transfer. Please don't assume your policy has been renewed until you have received confirmation in writing from us. If you are concerned about your policy, please call us. 

The £25 fee (or £10 fee when issuing duplicate documents by post) covers the administration of the policy for setting it up, either via the phone or via our quote and buy website, renewing it, issuing documents and referrals to the insurer where applicable. The £25 admin fee is also required for these reasons by payments made via BACS or cheque.

Our policy on charging fees can be found in our Terms of Business.  You will receive a copy of our Terms of Business if you take out a policy, or you can request this from us by emailing care@marshcommercial.co.uk

The self-employed carer insurance policy is designed for self-employed individuals who are not employing anyone else to work with them.  If you are registered as a limited company and do not employ any carers, the policy can only be taken out by calling us and is subject to the agreement of the insurance underwriter, Zurich Insurance PLC.  An administration fee of £25 would be applied to the premium.

Your policy documents can be posted to you but please note there is an administration fee of £10 payable prior to issuing the documents by post.  This can be paid by card over the phone, by cheque, or by bank transfer.  To find out more about our fees, please see section 2.5 of our Terms of Business.

The email address you provide can only be registered against one policy.  If you need to set up a second policy online a different email address needs to be used.  However, a second policy can be set up over the phone without the requirement of an email address.

If you need an email address updated, changed or removed in order to continue, please call us.

We will refer all cancellation request to the insurer, Zurich Insurance PLC, who may agree a refund is payable subject to any claims, claim notifications, and the time the policy has been in place.