Home Employment Insurance

Complete and comprehensive cover for those employing in the home.

Complete Protection

We work closely with customers, healthcare professionals and over 300 social care providers to protect people employing personal care assistants through the government's direct payments and personal budget schemes.

Employers' Liability (up to £10,000,000)

Protection if your personal assistants sustain injures or illness whilst working for you.
Public Liability (up to £5,000,000)

Covering claims against you if you have accidentally damaged someone or their property.
Legal Expenses

Cover for your legal expenses if you are taken to a tribunal by an employee.
Tribunal Costs

Covering the cost of the sum awarded as a result of a tribunal.
Personal Accident (for you and your carer)

Compensation if you or your employee have an accident where the employee is responsible.

24 Hour Helplines

Our UK based helpline is always here for you should you ever need us.
No hidden admin fees

If you need to make a change to your policy we won’t sting you with any admin fees.
No Excess

We do not require any contribution to a claim where other insurance policies might.

Get a quote

Or Call

01476 514478

Why choose our home employment insurance?

We believe in putting you first

Manage Online

Go paperless, download your schedule or buy and renew online.

UK Claims Team

If you need to make a claim you will talk to us not a third party.

Live Chat

Have a quick question but are unable to speak on the phone? Jump on our live chat .

Access Rewards

Get exclusive access to a range rewards as a thank you for being with us.

5 Star Rated

Our customers rate us 5 stars. see all our reviews at

No Admin Fees

Unlike other insurers we wont charge you for small changes to your policy.

Need Home Employment with Healthcare?

Not a problem, simply head on over to our Home Employment with Healthcare page.

Healthcare

What our customers say

my Enquiry was dealt with quickly and very efficiently. Within 25 minutes of acquiring my ...

Ian Scott

Very helpfull and explained in full policy.

Julie Bannister

Very good experience , happy with there coments

Emily Morgan

My renewal was very efficiently dealt with and a standing order set up

Edna McGregor

I was really great full when jade from mark Bates contacted me with my quote for home insu ...

Marianne Wilson

Very fast delivery. Wonderful customer service. Many thanks.

Mrs pauline neale

My wheelchair is as lightweight as stated with 3 no ths insurance included excellent value ...

Susan Mansfield

Polite, informative, reasonably priced.

Mr Ian Gurney

Eady to deal with . Quick. Also understanding. Highly recommended

Mrs Elaine Wells

Not had to make a claim with this company so time may tell. Quite satisfied dealing with t ...

lizmike100

QUICK AND EASY TO INSURE MY MOBILITY SCOOTER.

Mr COLIN FIELD

I. Have never had any problems with this company are am very pleased with the service I re ...

Mrs Joy Marsden

Excellent service. You lady was able to supply all details I required and we set up the ne ...

Louisa

very helpful. gives me the confidence to do my job

CORAL WARD

Did it over the telephone very easy and helpful staff

Mrs Deborah Downes

thank you made the chore of sorting insurance so easy to do .thank you very much ,

Maria ann Gostick-McMahon

I have always had excellent service from mark Bates Ltd. They are always very quick in rep ...

J Cross

find it ever easy to do on line ever done it before

Geoffrey

It is better to have a good company like yours than another that does not care about their ...

Mrs Pam Leary

Excellent and efficient got my scooter insured no problem. Highly recomended

Val

Enjoy more with rewards

As a thank you for being a Mark Bates Ltd customer, you also get exclusive access to rewards. Take your pick from exciting offers and giveaways from us and other brands you love.

Your Quote

For your quote you will need the following information to hand:

Details of Care Providers.
Your Address.
A contact Email.
Your Date of Birth.

Downloads

Below you can find useful downloads.

Home Employment Insurance Policy Wording

Home Employment Insurance Product IPID

Help and Support

We are here to offer you all the help you need with your static caravan

Crucial Checks

Employing the right person to help with the day to day tasks can be daunting. This guide provides tips and guidance for finding the right individual for the job.

Legislation Guide

Home Employment comes with lots of government legislation and guidance from the position of you as an employer too your employee’s rights and responsibilities.

Good Practice

The relationship between you and the person you employ is crucial. This guide provides information and tips on maintaining a good working relationship.

Frequently Asked Questions

Do I need this insurance?

If you are employing a carer or PA you legally require Employers Liability insurance. This is covered in all our Home Employment Insurance policies.

If your carer is self-employed (they pay their own tax and national insurance) you do not need the Employers Liability cover but may still wish to be covered for Public Liability. We also offer a Personal Care Assistant policy for self-employed carers.

How many carers are covered under one policy?

There are no limits on the number of carers covered with the Home Employment Insurance policy.

Who is classed as the employer?

The employer is the person looking after the affairs of the person receiving care, this could also be the same person.

Are service users covered outside the home?

Yes. Whenever they are with the carer, either inside or outside the home, the insurance will still cover them.

Am I covered for redundancy?

Yes. As long as they are related and live at the same address.

How can I access my policy documents?

You can setup your own personal account via our website which allows you to access your policy documents at any time.

I’m unsure about my legal responsibilities as an employer?

We offer a 24/7 legal advice helpline called MSL. They offer excellent and professional HR advice tailored to direct payments clients and they can help with any legal and/or employment queries you may have. This essential service can also be contacted by support teams and local authorities as well as our service users.