Complete and comprehensive cover for those employing in the home.
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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.
Cover for your legal expenses if you are taken to a tribunal by an employee.
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.
We do not require any contribution to a claim where other insurance policies might.
We believe in putting you first
Go paperless, download your schedule or buy and renew online.
If you need to make a claim you will talk to us not a third party.
Have a quick question but are unable to speak on the phone? Jump on our live chat .
Get exclusive access to a range rewards as a thank you for being with us.
Our customers rate us 5 stars. see all our reviews at
Unlike other insurers we wont charge you for small changes to your policy.
Not a problem, simply head on over to our Home Employment with Healthcare page.
Dr R John Elford
Miss Sarah Gillham C/O Mr Peter Gillham
Mrs Gillian Roper
Mrs Jill Wright
Mrs Ann Haines
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For your quote you will need the following information to hand:
Details of Care Providers.
A contact Email.
Your Date of Birth.
Below you can find useful downloads.
Home Employment Insurance Policy Wording
Home Employment Insurance Product IPID
We are here to offer you all the help you need with your static caravan
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.
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.
The relationship between you and the person you employ is crucial. This guide provides information and tips on maintaining a good working relationship.
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.
Still have an unanswered question? contact firstname.lastname@example.org
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