Home employment carers insurance provides protection for people who directly employ carers within their homes. It includes liability protection, employment dispute cover, and often public liability for carers and visitors alike.
SynergiseUK helps find policies designed for carers operating in domestic environments.
Who Is It For
Home employment carers insurance is suitable for:
- Individuals or families employing carers privately
- Home based employers concerned about workplace risks
- Property owners who are a Homeowner, Landlord, or Tenant with carers in their property
- Caregivers or companions offering services under direct employment
- Anyone involved in Buying or Selling home care services
What Does It Cover
- Employer’s liability for carers employed at home
- Public liability for incidents involving carers in your property
- Legal defence costs for employment disputes
- Optional personal accident cover for carers
- 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
- Protects against workplace claims in a home environment
- Helps meet UK legal obligations as an employer
- Peace of mind for carers, families, and visitors
- Tailored cover for home based employment scenarios
This policiy 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
- Understand employment responsibilities and minimum legal cover
- Confirm liability limits for carers working on site
- Optional covers such as personal accident and legal defence
Protect Your Carers Today
Secure your home employment carer arrangements with proper insurance.
Frequently asked Q&A's
It’s insurance for individuals who employ a carer or PA in their home. It includes Employers’ Liability and protects you if your carer is injured or makes a claim.
Yes, if you employ someone in your home, UK law usually requires Employers’ Liability Insurance.
It covers Employers’ Liability, public liability, legal expenses, disputes, redundancy, and accidental injury to your employee.
Yes, it protects you as the employer and provides financial support for your carer if they’re injured at work.
Most policies do, offering extra protection if your carer accidentally injures someone or damages property.
Yes, policies can cover multiple carers, support workers, or PAs in one home.
The policy covers medical costs, compensation, and legal fees, fulfilling your duty of care as an employer.
Yes, most Direct Payment packages require or strongly recommend Employers’ Liability cover.
Cost depends on the number of carers and cover levels but is usually affordable for private employers.
It includes employer obligations, employment dispute protection, and compliance with UK employment law.
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