care home insurance
  • Self Employed Carers & Personal Assistant Insurance
  • Cover starts from £6.25 a month
  • Public liability cover up to £5 million
  • No excess
  • Disability cover for injuries
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Self Employed Carers Insurance and Personal Assistant Insurance

All carers and personal assistants, whether they work for an agency or are self-employed, should consider protecting themselves with specialised insurance cover, especially liability insurance.

Public liability insurance for carers and personal assistants is particularly important because it protects you from a claim in the event of an accidental injury to any person, loss of or damage to property in connection with your occupation.  Life’s unpredictability, which carers deal with on a daily basis, means that this cover can provide much-needed security whilst at work.

Our Carer & Personal Assistant Insurance also provides cover for personal injury at work, personal belongings and legal protection.  Throughout the policy there are no excess payments in the event of a claim and no hidden charges.

All policies cover administering of prescribed medicines and first aid.

Our legal cover protects you from costs coming from a legal action to defend your legal rights arising out of allegations of negligence or abuse arising out of your employment as a carer or personal assistant.

We offer a range of carer’s insurance policies, from our bronze insurance policy to more comprehensive coverage. Cover starts at only £6.25 per month.

All our Carers Insurance policies are underwritten by SAGIC, (Salvation Army General Insurance Company), who are wholly owned by The Salvation Army.  SAGIC give 100% of their profits back to The Salvation Army to help people in need, so your policy will help here too.

Take a look at the 3 levels of cover available and then simply click to get an online quote for your choice of carer’s public liability insurance.


You can choose between 3 levels of cover:

  • Bronze: Provides public liability cover for carers up to £1 million
  • Silver: Provides public liability cover for carers up to £2 million
  • Gold: Provides public liability cover for carers up to £5 million

What does carers liability insurance cost?

Carers liability insurances costs can be paid monthly or annually.

Monthly premiums:

  • Bronze: £6.25
  • Silver: £8.91
  • Gold: £13.73

Carer Insurance Benefits include:

  • Public liability
  • Overseas cover up to 90 days (Gold only)
  • Personal belongings at work up to £250
  • Accidental death (Bronze £7500, Silver £10,000, and Gold £12,500)
  • Disability Cover
  • Hospitalisation (accident-only) per day (Bronze £25, Silver £50, and Gold £75)
  • Legal expenses up to £10,000
  • Administering of prescribed medicines and first aid.
  • No excess!

To get full cover details, get a quote now.


  • There is a 7-day waiting period before you can submit your first claim on your carer’s insurance, unless …
    • The claim is for accidental injury. Accidental injury cover starts immediately.
  • Read your carer’s policy wording carefully and ensure you fully understand what is covered and what is excluded.
  • Your policy wording also details how to submit a claim. The carer’s insurer from whom you claim differs per section of cover.


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