Live-In Carer Insurance (Individual)

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Specialist insurance for self-employed live-in carers and individual home care workers supporting clients in their own homes.

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We work with leading care sector insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

Insurance for Individual Live-In Carers

As a live-in carer, you provide round-the-clock support in someone’s home – often helping with personal care, medication, mobility, meals and companionship. You may be employed directly by the family, working via an agency or trading as a self-employed carer. Whatever your arrangement, it’s important that you have the right Live-In Carer Insurance in your own name to protect you if something goes wrong. Insure24’s individual Live-In Carer Insurance is designed for carers working in the home, with cover that can include public liability, professional indemnity and treatment liability, all tailored to the care you provide.

Who is this cover for?

  • Self-employed live-in carers working in clients’ homes
  • Individual carers booked directly by families
  • Live-in carers working alongside agencies but responsible for their own insurance
  • Carers providing live-in respite or short-term placements
  • Overseas live-in carers working in the UK (subject to eligibility)

Key benefits

  • Cover in your own name – not just under an agency’s policy
  • Protection for a wide range of personal care and domestic duties
  • Can help you meet client, family and agency requirements
  • Specialist advice from care sector insurance experts
  • Flexible limits and options for different care tasks
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Live-In Carer Insurance – What’s Covered?

Public Liability

Public liability insurance protects you if someone alleges that your actions have caused injury or damage to property during your work as a live-in carer.

  • Client trips or falls where you’re alleged to be responsible
  • Accidental damage to belongings or the home while caring
  • Cover while supporting clients outside the home, e.g. shopping or appointments

Professional Indemnity & Treatment Liability

Professional indemnity can cover you if someone claims that the care, advice or support you provided was negligent and led to loss or harm. Treatment liability may cover certain delegated clinical or medication tasks, depending on the policy.

  • Care planning and support with daily routines
  • Assistance with medication (declared and agreed tasks)
  • Help with nutrition, hydration and wellbeing

Personal Accident & Optional Extras

In some cases, policies can be extended with personal accident or other benefits designed to support you if you are injured and unable to work.

  • Personal accident benefits (where available)
  • Legal expenses cover for disputes linked to your work
  • Cover for small amounts of business equipment used in the home

What’s not usually covered?

Every policy is different, but most live-in carer policies will have some common exclusions. We’ll explain these clearly so you know where you stand.

  • Deliberate or criminal acts
  • Work outside the agreed duties or scope of care
  • Certain high-risk clinical procedures unless specifically agreed
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Live-In Carer Responsibilities & Insurance

Live-in carers often work in complex arrangements – for example, being introduced by an agency but paid by the family, or working directly under a private contract. In many cases, agencies expect individual carers to have their own insurance in place. Having Live-In Carer Insurance in your own name helps protect you and can demonstrate professionalism to families and clients.

Common live-in carer tasks

  • Personal care – washing, dressing, toileting
  • Assistance with mobility, transfers and moving & handling
  • Meal preparation, hydration and nutrition support
  • Administering or prompting medication (if trained and authorised)
  • Companionship, household tasks and shopping

Why individual cover matters

  • Gives you your own protection if a claim is made against you personally
  • Helps avoid gaps where agency or client insurance does not respond
  • Can be used as evidence for agencies, families and payroll companies
  • Shows you take your responsibilities seriously as a professional carer
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How to Arrange Live-In Carer Insurance

  1. Tell us about your work: Who you care for, where you work and what tasks you carry out.
  2. We review your activities: We look at personal care, medication support and any additional duties.
  3. We find suitable options: We approach insurers who understand live-in care and individual carers.
  4. Cover goes live: Once you accept a quote and pay, your policy documents are issued in your name.

Information we typically ask for

  • Your experience and any care qualifications
  • The type of clients you support (e.g. elderly, dementia, physical disability)
  • A summary of your day-to-day duties
  • Whether you assist with medication or clinical tasks
  • Details of any previous claims or complaints
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“My agency asked me to arrange my own live-in carer insurance. Insure24 explained everything clearly and found a policy that covers my personal care and medication duties. I now feel properly protected.”

Individual Live-In Carer

FREQUENTLY ASKED QUESTIONS

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What is Live-In Carer Insurance?

Live-In Carer Insurance is a specialist policy for individual carers who live in a client’s home and provide care and support. It typically includes public liability and professional indemnity cover in the carer’s own name, and may include treatment liability for certain tasks.

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Do I need insurance if I am a self-employed live-in carer?

Yes. If you are self-employed or working directly for a family, you are personally responsible for your work. Insurance helps protect you if someone alleges that your care caused injury, loss or damage.

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I work via an agency – don’t they cover me?

Some agencies have their own policies, but many expect individual carers to hold their own insurance as well. Agency cover may not respond to all situations, so having a policy in your own name can help plug gaps and demonstrate professionalism.

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Does Live-In Carer Insurance cover medication errors?

Some policies can include cover for specified medication tasks, such as administering or prompting medicines, provided these tasks are declared and you are appropriately trained. It is important to be honest about what you do so we can place you with a suitable insurer.

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Does the insurance cover me when I take my client out?

Yes. Provided your policy includes community-based work, you can be covered while taking clients to appointments, shopping trips, social activities and other outings, as long as these activities are part of your declared duties.

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What level of cover do I need as a live-in carer?

Required limits vary depending on agency rules, family expectations and any local authority or NHS contracts. We can talk you through common levels of public liability and professional indemnity cover and help you choose limits that meet your obligations.

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How much does Live-In Carer Insurance cost?

Premiums depend on the work you do, the people you support, your experience and any previous claims. We work with care-specialist insurers to keep costs competitive while ensuring the cover is appropriate for live-in care work.

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Can carers from overseas get insured?

In some cases, yes. Eligibility depends on visa status, training and where the care is delivered. We will discuss your situation and confirm which insurers can consider your application.

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How quickly can my Live-In Carer Insurance start?

For straightforward cases, cover can usually start very quickly once we have the information we need and you accept the quotation. We will confirm your start date and issue documents that you can share with your agency or client.

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How do I get a quote for Live-In Carer Insurance?

You can call Insure24 on 0330 127 2333 or start your quote online. We’ll ask a few questions about your work as a live-in carer and then obtain tailored terms from insurers who understand the care sector.
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