Carers insurance
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Rated 4.7/5
Based on 39,770 reviews
Claims paid in 24 hours
For 80% of settled claims
Carers insurance – why is it important?
From working with vulnerable people to supporting children or the elderly, being a carer requires lots of skills across different settings.
From injuries to legal costs, if you were hit with a claim, would you have the funds to handle it? Business insurance is there to protect you against unexpected costs.
- liability insurance for carers, including public and employee risks
- compare cover from expert UK brands and protect your business
- UK-based claims team, award-winning and available 24/7
What does carers insurance cover?
It’s quick to add covers to your quote and build a policy that suits your needs as a carer. Most businesses start with public liability insurance, which protects your business against third party claims for injuries or property damage. Then, you can add covers that protect against other risks.
Carer public liability insurance
In case your business and products cause an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your carer company
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
Business legal protection
In case you’re hit with legal expenses connected to your carer company
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
Carer public liability insurance
In case your business and products cause an injury or property damage.
What’s typically covered by public and product liability insurance?
Claims against your business for:
- damage to someone’s property, caused by your work
- an injury or illness caused by your business activities
- certain accidental damage or injuries caused by your employees
For example:
- you accidentally knock a shelf of products onto the floor while working on a client’s premises, which break and need replacing
- you leave a trailing cable outside your premises, causing someone to trip and injure their back
- an accident happens at your premises and someone is injured because of your work
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for your carer company
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an injury that happens as a result of working for you (including temps and casual workers)
- an employee, including a contractor or casual labourer, suing you after falling ill because of working for you
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- your employee injures their lower back while moving furniture at your premises and holds you responsible
- an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
- a member of staff trips over while unloading business equipment, injuring their knee
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
What’s typically covered by business contents insurance?
Claims against your business for:
- destruction and damage of your contents equipment, such as furniture or photocopiers
- cover for flood or fire damage, plus theft and vandalism
For example:
- some of your business equipment, including a printer, is damaged by a fire
- several TV screens you use for virtual meetings are stolen by thieves
- an upstairs leak in your premises causes damage to the sofa and chairs in your reception area
Read more about business contents insurance
Business legal protection
In case you’re hit with legal expenses connected to your carer company
What’s typically covered by business legal protection?
Claims against your business for:
- a dispute relating to debt recovery, including judgement enforcements
- an investigation into your tax affairs
- someone using your company’s identity illegally
For example:
- one of your clients has informed you that they believe you haven’t met the contractual requirements of their purchase agreement, and they’re refusing to pay an outstanding invoice
- HMRC investigates your recent tax return, triggered by a fluctuation in your business income
- someone gets hold of your company bank details and uses them to buy goods and services
Read more about business legal protection
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
What’s typically covered by personal accident insurance?
Claims against your business for:
- accidental death or injury, whether it happens at work or elsewhere, for anyone you’ve chosen to cover on your policy
- lost income, plus medical costs and hospitalisation benefit
For example:
- an employee you’ve covered on the policy slips on ice while commuting to the office, injuring their lower back
- you’re tidying the office and an old printer falls onto your shoulder, causing a serious injury
- your business partner bumps their head after a fall, causing ongoing health complications which stop them from working
Read more about personal accident insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does carers insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.49 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | No excess | £750 |
Employers' liability | No excess | No excess |
Contents | £200 | £4000 |
Main building | £200 | £400 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
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How do claims work for carer insurance?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£28 million in claims paid out in 2021
Paying 80% of settled claims within 24 hours in 2021
The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Chosen by 900,000 small businesses and landlords
We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.
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Rated 4.7/5
Based on 39,770 reviews
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Carers insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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