“Is Carers Insurance A Legal Requirement?” – And Other FAQs

09 Jul 2019

Being a carer is a fantastically rewarding job with many benefits. This is a great career to choose if you want to make a difference to the lives of others. Not only this but the skills and knowledge you gain from caring are second to none. At Blue Badge Mobility Insurance, we understand that if you are thinking of becoming a carer, you might have some queries. We’ve put together a couple of frequently asked questions about caring to help you on your journey.

What is carers insurance?

Carers insurance is fairly self-explanatory. It’s the insurance that you will need to protect yourself and the person you’re caring for. Different policies cover a variety of circumstances. It tends to be focused around any accidents, risks or errors that happen. In general, insurance is there to ensure the safety and wellbeing of everyone involved in the care process. At Blue Badge Mobility Insurance, we offer a range of different insurance types so don’t hesitate to find out more information today.

Is carers insurance a legal requirement?

The simple answer to this question is no, carers insurance isn’t a legal requirement and you aren’t obligated to have it. However, it’s something that’s highly recommended. Not only do you want to ensure the safety of the person you’re caring for, but also yourself. Any kind of insurance is designed to give peace of mind in the event of an accident and this is no different. If you’re serious about caring, getting insurance is a very good idea. Carers insurance can provide protection for things such as damage to property and accidental injury to the person in your care.

How much does carers insurance cost?

Carers insurance can vary depending on the company and the policy. At Blue Badge Mobility Insurance, we offer standard cover for one year starting at £75 a year. This includes Public Liability Insurance up to £1 Million for injury or damage to property, legal expenses in the event of a liability claim, errors or omissions whilst providing care, including administering incorrect medication, up to 90 days cover for care provision whilst on holiday and personal accidents while providing care. We do offer different plans so please don’t hesitate to get in touch today for any further information.

Do I need carers insurance if I’m self-employed?

If you are a self-employed carer you won’t qualify for employers’ liability insurance. This means it’s even more important for you to protect yourself with carers insurance. Even if you have multiple clients, depending on the insurer they are usually all covered under your insurance. No matter how careful or experienced you are, caring for someone comes with risks. Having insurance is both sensible and shows you are professional and serious about your job.


If you have any more questions about our insurance packages, get in touch on 01730 233 101.

Back to news