Carer employment insurance protects employers of carers from risks related to staff management, workplace injury claims, employment disputes, and liabilities arising from care services. It is essential for businesses, agencies, and private clients who employ carers directly.
SynergiseUK connects you with insurers specialising in employment risk and liability cover tailored to the care sector.
Who Is It For
Carer employment insurance is suitable for:
- Care agencies employing carers
- Families or individuals directly employing carers
- Healthcare providers offering in home care services
What Does It Cover
- Employer liability protection
- Employment dispute cover (e.g., unfair dismissal, discrimination claims)
- Public liability where carers visit clients
- Legal costs associated with claims
- Optional professional indemnity for advice related claims
- No Excess
- Public Liability Insurance up to £5 million
- Loss or Damage to Property
- Personal Accident
- Legal Expenses
- Employers Liability Insurance up to £10 million (For those directly employed)
- Free Employment Law Guide (For those directly employed)
- Redundancy Cover (For those directly employed)
- Accidental injury to any person
- No Hidden Fees
Why Choose This Insurance
- Helps manage employment risks in the care sector
- Financial protection against legal and workplace claims
- Peace of mind for agencies and private employers
- Tailored cover for carer specific work environments
This policy is underwritten by SAGIC being The Salvation Army General Insurance Corporation, which are wholly owned by The Salvation Army. Which means when you buy this policy from some of our providers, you will be helping The Salvation Army support people in need and gives you an ethical, trustworthy underwriter to look after you in the event of a claim.
Important Considerations
- Confirm whether carers are full/part time or live in
- Understand public liability when carers visit client homes
- Check limits for legal and employment tribunal costs
- Know your responsibilities as an employer under UK law
Protect Your Carer Employment Today
Ensure your carers and clients are safeguarded with the right insurance solutions.
SynergiseUK partners with insurers offering carer employment and liability insurance tailored to the care sector.
Frequently asked Q&A's
It’s insurance for people who employ carers or personal assistants, providing Employers’ Liability, public liability, and legal protection.
Anyone employing a private carer, PA, or support worker in their home.
Yes, Employers’ Liability Insurance is a legal requirement for most home employers
It covers claims from carers, accidental injury, damage to property, legal expenses, and employment disputes.
Yes, it protects you if your carer accidentally injures someone or damages property during care.
Carer Employment Insurance protects the employer, while self-employed carers insure themselves.
Yes, one policy can cover several employees.
Yes, it covers legal fees, compensation, and claims for workplace injury.
Yes, it meets legal and local authority requirements.
Prices vary depending on cover and number of carers, but policies are designed for affordability.
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