Home Employment Insurance

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.

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

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.


Below you can find useful downloads.

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

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.

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

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

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

Yes. Redundancy is covered under our Plus and Deluxe policies.

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

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.

Other Products

We want to be your one stop shop for insurance.

Home Employment Customer?

Our Deluxe Home Employment policy holders also get a free ILG membership.