Public Liability & Personal Assistant Insurance

We understand the complexities of the work you do, so private Carers Insurance protects you if a mistake is made, like managing incorrect medication or causing injury whilst caring for somebody. The self-employed and public liability insurance for carers within the Personal Assistant Carers Insurance Policy gives you a high

level of cover and peace of mind should you be faced with a compensation claim due to an error or omission. If you’re a carer or personal assistant looking for carer personal assistant insurance, get a quote.

What is Personal Assistant Insurance?

As a self-employed Personal Assistant, you make a big difference to someone else’s life, but this role can be both physically and emotionally demanding so it’s important to have self-employed support worker insurance.

As with any job, mistakes can be made, and that’s why it’s highly recommended you protect yourself against the potential risks you face daily, with a policy like the personal carer insurance for Personal Assistants.

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Choosing the Right Type of Personal Care Insurance

Although the terms personal carer, self-employed carer, and private carer are often used differently, in practice they usually describe very similar roles. From an insurance perspective, the work involved is largely the same, whether you support clients in their own homes, provide personal assistance, or operate independently. As a result, the cover provided is typically identical across these roles, offering protection for public liability, professional indemnity, and day-to-day care activities. What matters most is the nature of the work you carry out, not the title you use, which means you can be confident you are properly covered regardless of how you describe your role.

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Personal Carer Insurance

What is personal care insurance?

Personal care insurance is a specialist insurance that protects carers and personal assistants while they care for others. It helps cover risks such as accidental injury to a client, mistakes while handling medication or actions that could lead to third‑party compensation claims.

Who is this Insurance for?

Designed for carers working either privately or through an agency.
Provides public liability, errors & omissions, and personal accident protection.
Often includes holiday or temporary care cover.

How our cover specialises for this

Public liability cover up to £5 million for injury or damage to property or people.
Legal expenses in the event of a liability claim.
Errors & omissions (e.g., administering medication incorrectly).
Holiday care cover (up to 90 days).
Personal accident protection.

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Self Employed Carer Insurance

Why self‑employed carers need specific cover

If you’re a self‑employed carer or personal assistant, you don’t qualify for employer’s liability insurance. That makes your own professional insurance essential — it protects both you and your clients.

Who is Self-employed Carers Insurance for?

Tailored for individuals working on a self-employed basis.
Focuses on protecting you personally since there’s no employer liability cover.
Gives reassurance to clients and agencies that you are professionally insured.

Key benefits at a glance

Public liability cover (up to £5 million)
Errors & omissions protection
Holiday cover included
Legal expenses cover

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Private Carer Insurance

What “private carers insurance” means

This term typically refers to insurance policies purchased independently (not through an employer or agency) — ideal for private carers working directly with families or individuals.

How it works differently

You choose your own level of cover (e.g., higher liability limits).
Cover is tailored to your private work settings.
Optional add‑ons or benefits may be available.

Who this is ideal for

Ideal for carers employed directly by a client or family.
Can be more flexible in coverage levels or optional add-ons, depending on the client’s requirements.
May focus on risks specific to private, one-on-one care settings.

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What’s Covered?

Public liability up to £5 MILLION for injury or damage to property
Legal expenses in the event of a liability claim
Errors or omissions whilst providing care, including administering medication
Up to 90 days cover for care provision whilst on holiday
Accidental injury to any person in your care

Premium Policy

Public liability up to £5 MILLION for injury or damage to property
Legal expenses in the event of a liability claim
Errors or omissions whilst providing care, including administering medication
Up to 90 days cover for care provision whilst on holiday
Accidental injury to any person in your care

Benefits of This Policy

Public liability up to £5 Million for injury or damage to property
Legal expenses in the event of a liability claim
Errors or omissions whilst providing care, including administering medication
Up to 90 days cover for care provision whilst on holiday
Accidental injury to any person in your care

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Blue Badge Benefits

Consistently low prices

Friendly UK-based staff only a phone call away

No charge for policy changes

Quick and easy claims service

Authorised and regulated by the Financial Conduct Authority

Have a Question? Perhaps Our FAQ Can Help

Please check your full policy wording to make sure the policy provides adequate cover

FAQs

Do I need Carers insurance if I am self-employed?

Personal Care Assistant Insurance is not mandatory, however you may wish to invest in carers insurance as you will be protected in the event of an error or omission at work. Having public liability insurance for carers will give both you and your clients peace of mind, knowing there is protection in place.

I live abroad, but I’m going to be working in the UK as a live in Carer, can I get insurance?

No, you must be living in the UK.

The websites asks if I have qualifications/training. Do you need to see proof that I have trained?

The insurer don’t need to see proof of training/qualifications to set up the policy, however in the event of a claim the claims team may request this information.

Do I need specific training or qualifications to take out the insurance?

There aren’t any specific qualifications you need to take out the carers insurance, but in the event of a claim you must be able to demonstrate that you have either been trained or have qualifications for the particular care activities that you carry out.

I’m just going to be caring after someone for a month, can I just take a short-term policy?

Yes, short-term policies are available.

I’m going to be employing a Carer, but they don’t have any insurance and I want to set up and pay for a policy for them, can I do this?

You can, however the policy would be the carer’s policy in their name, and the insurer would need to speak to them to arrange the cover as there are 5 statements they need to confirm. If you want to pay for the policy then that is up to you, but it would be the carer’s policy and all correspondence would be sent directly to them.

What kind of activities does this policy cover me to do?

The policy covers you for carrying out ‘Care Activities’ The policy defines care activities as: provision of medical care including preparation and administration of prescribed medicines carrying out domestic activities support provided by you to help the care recipient carry out their day to day activities.

I’m a qualified hairdresser/physiotherapist/(other profession) and I cut hair/do physiotherapy (other profession) for the person I’m looking after, am I covered for this?

The policy will only cover you for the care activities described in the policy. If, in addition to the care activities, you also carry out activities that would normally be done by a qualified professional and you want to be covered then you would need to take out the relevant specialist insurance.

I’m going to be going sailing/kayaking/other outdoor activity with my client, am I covered if they injure themselves?

The policy does exclude ‘dangerous sports and past times’ and although sailing/kayaking etc may not be a dangerous sport, underwriters have confirmed the insurer would not be able to cover sailing/kayaking etc. as they do not class it as a ‘day-to-day ‘ activity.

Am I covered if I damage someone’s property whilst cleaning etc?

The policy will cover you for any accidental damage, so for example, if you were hoovering and knocked over an expensive ornament and smashed it, the insurer would look to cover the cost of replacing the ornament.

Does this policy cover me if I’m driving the person I’m looking after in my car and they are injured in a car crash?

No, the policy does not cover you if the person you are caring for is injured in a car that you are driving. You would need to contact your car insurance provider to make sure you have the correct insurance cover. If you were helping someone into the car and they slipped and fell then the insurer would look to cover that type of situation, but you would not be covered for any injury caused whilst driving.

I’m going to be looking after 5 different clients, will this policy cover me for looking after all of them?

There isn’t anything in the policy that specifies the number of clients you are working for/looking after. So this policy will cover you for looking after multiple clients.

I’m going to be temporarily looking after someone abroad, am I covered for this?

The policy includes up to 90 days of cover outside the UK, however the person you are caring for must be a UK resident. If the person you are caring for abroad does not normally reside in the UK then you would not be covered.

Does your policy cover me if I injure myself at work?

Yes, the policy includes cover for personal accidents up to £10,000. The insurer has specifically listed the injuries covered in the policy and the amount payable for example; Broken hand, foot or ankle: £500.

Will your policy cover loss of earnings if I am unable to work due to sickness, injury etc?

No, the policy does not cover for loss of earnings. If you suffer from one of the injuries listed in the policy whilst carrying out your care activities then the insurer will look to pay out the monetary amount listed in the policy for that specific injury.

Got a Question?

If you have any questions or need a hand with your policy, get in touch with our helpful team today, we would be happy to help!

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