What's included in a self-employed carer insurance policy?

Individual 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 carers' insurance policy includes cover for:

  • £5 million carer 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.

Read the policy summary.

Read the full policy wording.

Read an important policy exclusion you should be aware of.

Buy or renew your carers' insurance online

Insurance for self-employed carers and private carers

We aim to give you 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.

Buy individual carer insurance today

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

Ready to renew your individual 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?

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.

Frequently asked questions

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

When do I need to get employers liability cover for my care business?
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.
What is the minimum cover I need to have in place for my care business?
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.
How much public liability insurance will I need?
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.