Insurance
Getting insurance as a self-employed carer
Which cover you need, roughly what it costs and what to ask insurers.
Types of cover
Public liability: covers injury or damage to clients or their property.
Professional indemnity / treatment risk: covers claims arising from the care you provide, including medication support.
Personal accident or income protection: optional, but helps if you cannot work.
What to ask an insurer
Does it cover personal care, medication administration and live-in work?
Does it cover me when working for care homes or agencies on a self-employed basis?
What is the level of cover (£1m–£5m is typical) and is there an excess?
Where to look
Specialist care-sector insurers and brokers offer policies for independent carers. Compare at least three quotes and keep your certificate to hand — clients will ask.
General information only — rates and rules change. Check GOV.UK or speak to an accountant for your situation.