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.

What our customers say

Accurate, all as required and sensibly priced.

Colin Higgins

Absolutely fab highly recommend

customer

We had to make a claim under the extended power wheelchair warranty; it was dealt with swi ...

Mum, Norfolk

I recently purchased my first mobility scooter, and wanted to insure it. After some resear ...

Jim Smith

Having only just taken out a policy I can’t really write a big review However I can say ...

Wilma

Always use Mark Bates for my insurance, so easy to re-do each year online.

Miss Joanne Watson

One of the best, easy to access, friendly staff

Mr Thethelani Sibanda

Simple to use quick and easy and the choice to do direct debit is even better

Mrs Dawn Chamberlain

Mark Bates Ltd was recommended to me when I purchased a mobility scooter from 'Scott Mobil ...

Mr Edwin Dinsdale

Kind, understanding and excellent people skills. Highly recommended.

Ms Jean Leslie

I’ve dealt with Mark Bates now for over 5 years and have always found them to be very pr ...

Leslie Le Carpentier

excellent service with rapid response to query

Miss McCandlish

It's reliable and fast service. I recommend to everyone. Thanks

Mr Purna Rai

Whenever I have spoken to anybody at mark Bates they have always been polite and very help ...

Ms Evelyn Jane Stocker

A fast response to my accident claim , settled to my satisfaction.

Mr Clive Randall

A good & fair Company

Mr L Osborne

very satisfied with the company and very helpful after my accident

Mrs Janet Rose Davey

Good product highly recomend it

andrew

Ab Fab Company who supports you in need. I was in trouble and my foot rests broke, I took ...

Pam

Good service. All good

Jennifer

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.