Self employed carers insurance provides protection for carers working independently across clients, homes, and community environments. It typically includes public liability, professional indemnity, and personal accident cover to safeguard against claims arising from care activities.
SynergiseUK helps match you with insurers experienced in self employment and care worker cover.
Who Is It For
Self employed carers insurance is ideal for:
- Independent carers working under their own contracts
- Freelance care providers and support workers
- Property owners who are a Homeowner, Landlord, or Tenant with carers in residence
What Does It Cover
- Public liability if someone is injured or property damage
- Professional indemnity for care planning and advice
- Personal accident cover for the carer
- Optional equipment cover
- 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 Fee
Why Choose This Insurance
- Protects independent carers from work related claims
- Provides professional and public liability protection
- Offers peace of mind when working alone or with clients
- Tailored policies for self employed care professionals
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
- Know public liability limits required by clients
- Understand professional indemnity cover for advice and care plans
- Optional personal accident cover is recommended
Protect Your Work Today
Stay protected as a self employed carer with tailored insurance. SynergiseUK works with expert insurers in self employment and care worker protection.
Frequently asked Q&A's
Self-Employed Carers Insurance is specialist protection for carers who work independently. It typically includes public liability, professional indemnity, and personal accident cover to protect you if something goes wrong while providing care.
It’s not legally required, but most councils, agencies, and private clients expect carers to have insurance for safety, compliance, and financial protection.
It usually includes public liability, protection against accidental injury to clients, professional negligence claims, loss or damage to clients’ property, and personal accident cover.
Yes. Public liability is a core part of self-employed carers insurance and protects you if a client is accidentally injured or if you damage their property.
Yes, most policies include professional indemnity cover, protecting you if someone claims that your advice or care caused harm.
Absolutely, policies are designed for carers working in clients’ homes, supported living, residential settings, and in the community.
Prices vary depending on your cover levels, but policies are affordable and tailored to individual carers’ needs
Yes, if you are self-employed. Many agencies require carers to have their own policy for compliance and safeguarding.
Yes. These policies are widely accepted by councils and clients using Direct Payments.
Most carers choose at least £1–5 million in public liability cover, depending on client needs and local authority requirements.
You simply contact the insurer with details of the incident. Claims are typically handled quickly with evidence or documentation.
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