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)

In the event that your employee suffers injury or illness whilst working for you.
Property Owners, Occupiers and Personal Liability
(Up to £5 Million)

As a consequence of bodily injury to any person or accidental damage to 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.

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

Insured my mobility scooter and it was so easy one phone call and all sorted very polite ...

Brenda Parker

My questions were answered successfully and efficiently.

Momsgill

So easy to insure on line and quick thanks mark

Alda Abernethy

very quick and efficient and saved me over £100

Elaine Newey

We had insurance on the item we bought, sent the form back to this company, and had an imm ...

Mrs C. Curtis

Mark Bates gave a reminder of the insurance being due in plenty of time and when I wanted ...

Paul Sproson

Very helpful,polite told me what I needed to check explained everything clearly

Mrs Margaret Clark

Automatic service which came with a wheelchair

Gina H

Was easy to set up and everyone worked hard to help.

Alan James Harrison

Very helpfull talked through different options, because the scooter is per a toy Isidro th ...

Olive

Very helpful and friendly nothing was a problem sorted everything in one go excellent will ...

Michael Druett

Very efficient and good service.

Rex Leach

I have been a costumer for a few years as my daughter has a scooter as do I .So we have on ...

Nicholas Anthony

My application with Mark Bates Ltd was conducted in a seamless and professional way.

Faith Wood Thomas

Simple and easy process to renew policy.

Mrs Christine Bladen

they don't keep pestering you with phone calls

Ian Nichols

Excellent service and low cost

Paul Spencer

Hello I used Mark Bates scooter insurance because they know what their talking about they ...

Mr Clifford g Darlington

very good service so far

Brian Wexler

Quite easy to set up. Staff easy to Talk to and that to Me is tops

Mr Edward Guy

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. Redundancy is covered under our Plus and Deluxe policies.

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 in-house legal advice helpline called the Independent Living Group (ILG). 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.