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Carers Insurance

What's included in an individual carer insurance policy? 

Self-employed carer insurance and private carer insurance can cover you against the daily risks you face including: personal injury, accidental loss, alleged abuse claims and other liability issues that can be insured against with a single policy.

Our standard insurance policy includes cover for:

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

Important Documents

Read the notice to policy holders

Read the policy summary

Read the full policy wording

Buy or renew your insurance online

GET IN TOUCH WITH A CARE INSURANCE ADVISER

Need expert advice? Call the care team now, or complete our online form and we’ll call you.

Click here to request a callback 0113 350 8712

How our carers insurance protects you

We aim to give you the peace of mind to go about your duties with confidence: 

  • Personal care ‒ bathing/dressing.
  • Night care.
  • Administering prescribed/non-prescribed medicines.
  • Carers respite service.
  • Cleaning.
  • Cooking.
  • Household tasks.
  • Shopping and laundry.
  • Handyman and gardening services.
  • Companionship and support.

Get individual carer insurance today

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

Buy online

Ready to renew your self-employed carer insurance?

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

Renew online

Starting a home care business?

The daily risks you face can be insured against with a single policy, including: personal injury, accidental loss, alleged abuse claims and other liability issues.

Speak to us today

Frequently asked questions

Q
Does my care business need employers' liability insurance?
A
Yes. Under the Employers' Liability (Compulsory Insurance) Act, all organisations that have staff are required by law to have employers' liability insurance. 

Q
When do I need to get employers liability cover for my care business?
A
You require employers liability cover from the day your care business starts employing staff. From the moment you have any person to whom you are responsible, whether paid or not, you are at risk of legal action. To qualify as "staff" a person does not have to be paid or under contract to you. It includes any person to whom you have a legal duty of care. This means that sometimes even sole traders will need employers liability insurance.
Q
What is the minimum cover I need to have in place for my care business?
A
The level of cover required is dependent on many factors and we would need to assess the requirements of the business and make recommendations based on the information provided. There are also other factors that can dictate the level of cover needed, such as the types of people you are caring for or local authority requirements to meet the terms of the contract.


Q
How much public liability insurance will I need?
A
The level of cover you need is related to the amount of risks faced by your business. Cover can be anywhere from £2 million to £10 million or beyond. The minimum value could be dictated by the clients you work with, or local authority contracts you have tendered for.

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