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Carers Insurance

We're here to help with carers insurance

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 are dedicated to simplifying your insurance, making it one less thing for you to worry about.
  • Experience
    Because we're experts with years of experience, we can arrange bespoke insurance that's tailored to protect you.
  • Support
    We're here to do the hard work, so you can focus on delivering excellent care. We'll search our panel of insurers and offer advice and support when you need it.

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
  • temporary visits abroad whilst working
  • personal accident up to age 80
  • administering prescribed and non-prescribed medicines.

Important documents
Read the policy summary
Read the full policy wording
Notice To Policy Holders

Get individual carer insurance today

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

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.

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

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
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.