What insurance do I need to be a private carer?

Answered by Philippa Shirtcliffe

As a self-employed carer or personal assistant, you will need to have Public Liability Insurance. This is because there are some risks involved in the job, especially if you have to give medicine to your service user, or help them move from room to room. Having a public liability insurance policy protects you in situations that involve personal injury, errors, accidents, abuse claims and other risks within the job role. If you are employed by a service user directly, they should have Employer’s Liability Insurance in place. However, it is  recommended that you also take out your own insurance policy. Hopefully, you won’t need to use it however but like all insurance, it is good to have.