Compare Carers and PA Insurance
A few different places you compare the price of Carer and PA insurance.
Compare Carer and Personal Assistant Insurance from some of the leading UK providers. Carer Insurance for Self Employed and Employees and those on Direct Payments. Cover typically includes; Public Liability, Employee Liability (If you employ a carer)personal accident. lost belongings and legal expenses. Some of the best and cheapest policies are less than £75 per year.
Surewise
From £6.49 Per Month
Choice of cover levels
Self employed, employed and direct payments
Public liability and employers’s liability
No excess – No hidden fees
Blue Badge
From £77.88 Per Year
£5 Million – Public liability Cover
Up to 90 days holiday cover
No cancelation fees
Includes healthcare tasks
Mark Bates
From £69 Per Year
Employers’ and public liability
Legal Expenses
Personal possessions
Employment support
Fish Insurance
Carer or personal assistant
Employers’ and public liability
Damage to property belonging
Personal accident
Carers and Personal Assistant Insurance in the UK
Insurance for carers and personal assistants (PAs) in the UK is essential for mitigating the significant financial and legal risks of providing in-home care. The specific policy needed depends on the employment status: self-employed PAs must arrange their own cover, acting as a business entity, while those directly employed by a client (e.g., via a Direct Payment) or an agency are generally covered by the employer’s policy. Regardless, specialist insurance is tailored to protect the professional when working within the client’s private home and life, covering a wide range of tasks from personal care to domestic duties.
The foundation of most carer insurance policies is Public Liability (PL) insurance, which protects the carer against claims of accidental injury to the client or accidental damage to their property during work. Given that claims can run into millions of pounds for serious injuries, PL limits are typically high, often reaching £5 million or more. Equally vital is Professional Indemnity (PI) cover, which addresses claims of professional negligence or errors, such as administering medication incorrectly or failing to follow a care plan, which could directly result in harm to the client.
Finally, for the client who directly employs a carer, Employers’ Liability (EL) insurance is a legal requirement in the UK. This policy protects the employer (the client) against claims if their PA becomes injured or ill as a result of their work. For self-employed PAs, while highly recommended, insurance is generally inexpensive, with many policies available from approximately £70 to £120 per year, offering crucial peace of mind and protection against career-jeopardising legal costs.
The availability of any insurance product or service referenced on Compear.com or offered by any listed provider is not guaranteed and may change at any time. While we strive for accuracy, product terms, pricing, and coverage details are supplied by third-party insurers and are subject to change without notice. Your ability to qualify for any product is subject to the final determination and underwriting of the individual insurer.