Surewise

Working as a self-employed carer comes with all the usual perks of running your own business, choosing your hours, picking your clients, and having control over the financial side of your work. But without the safety net of an employer, risks like accidental injury or allegations of negligence land squarely on your shoulders.

Self-employed carer insurance is public liability cover designed specifically for carers and personal assistants who are self-employed. It gives you peace of mind that you're covered against claims that may arise in your role as a carer, allowing you to focus on delivering the best care possible for your clients.

Key cover elements:

Public liability up to £5 million, including cover for up to 90 days working overseas

Loss or damage to property, including personal or client belongings (up to £250) and replacement keys and locks (up to £100)

Personal accident cover up to £12,500, plus a hospital cash benefit

Legal expenses up to £100,000, with Carers Legal Protection and a 24/7 legal advice helpline

No excess, no hidden fees

You'll need relevant training or qualifications to be covered for certain tasks, such as administering medication, and may be required to provide evidence of this if you make a claim.

Please note: As a CPO solo membership package member, this cover is included free as part of your package. If you're not on a solo package, you can take it out as a standalone policy directly through Surewise.

For more information on this policy, please visit: Self Employed Carer Insurance