Care Worker Personal Accident Insurance
(Domiciliary & Home Care Staff)

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Financial protection for care workers and PAs if they are injured or killed as a result of an accident at work.

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We work with insurers that understand care sector risks

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

PERSONAL ACCIDENT COVER FOR DOMICILIARY & COMMUNITY CARE WORKERS

Supporting the People Who Look After Everyone Else

Care workers face real physical risks every day – moving and handling clients, travelling between home visits, dealing with challenging behaviours and working alone in unfamiliar environments. If a serious accident happens, the impact on their income and family can be immediate.

Care Worker Personal Accident Insurance provides agreed lump sums and weekly benefits following an insured accident, helping to cover bills, rent or mortgage payments and extra costs while they recover – or providing financial support for loved ones in the worst case.

What Does Care Worker Personal Accident Insurance Cover?

Benefits can be tailored around your roles, pay levels and risk profile.

Key Accident Benefits

  • Lump sum benefit in the event of accidental death.
  • Lump sums for permanent total disablement and loss of limbs or sight.
  • Specified benefits for serious injuries (e.g. loss of hearing, loss of speech – policy dependent).
  • Weekly benefit for temporary total disablement (unable to work due to accident).
  • Weekly benefit for temporary partial disablement (restricted duties only).
  • Hospitalisation benefit for overnight stays following an accident.
  • Rehabilitation contribution towards physio or recovery (where included).

Care-Specific Accident Scenarios

  • Manual handling injuries when assisting clients with transfers or mobility.
  • Trips, slips and falls in clients’ homes or on access paths and driveways.
  • Road traffic accidents while travelling between domiciliary care visits.
  • Injuries from assaults, aggression or challenging behaviour (subject to policy terms).
  • Needlestick injuries or contact with sharps and equipment (where covered).
  • Accidents involving hoists, wheelchairs or mobility equipment.
  • Incidents while working alone, out of hours or overnight in the community.
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Who Is Care Worker Personal Accident Insurance For?

Flexible solutions for agencies, micro-providers and individual carers/Personal Assistants.

Agencies & Care Providers

  • Domiciliary care agencies employing home care workers and support staff.
  • Homecare and live-in care providers supplying carers into people’s homes.
  • Supported living providers and community outreach teams.
  • Charities and not-for-profit organisations supporting vulnerable adults.
  • Introductory agencies wanting to offer an optional accident scheme to carers.

Individual Carers & Personal Assistants

  • Self-employed domiciliary carers and micro providers.
  • Personal Assistants (PAs) employed directly by individuals or via Direct Payments.
  • Family carers working in a paid role under personal budgets.
  • Bank, agency and zero-hours care workers with variable income.
  • Carers looking for additional financial security beyond Statutory Sick Pay.

Why Arrange Personal Accident Cover for Care Workers?

Benefits for Care Providers & Employers

  • Demonstrates duty of care and commitment to staff welfare.
  • Helps retain and attract care workers in a competitive market.
  • Provides financial support to staff after serious accidents at work.
  • Can be included as part of a wider benefits and wellbeing package.
  • May help reduce pressure to offer ad hoc hardship payments.
  • Supports continuity of care when staff are injured and unable to work.

Benefits for Individual Care Workers

  • Peace of mind that a serious accident won’t immediately destroy household finances.
  • Top-up income if off work due to an insured accident.
  • Help with everyday bills, rent or mortgage during recovery.
  • Lump sum support for family in the event of accidental death or life-changing injury.
  • Particularly valuable for zero-hours, bank or self-employed carers with limited sick pay.
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How Care Worker Personal Accident Insurance Works

1. Choose the Basis of Cover

  • “At work” only – covers accidents occurring while carrying out care duties.
  • “Occupational plus commuting” – extends to travel to and from work.
  • 24/7 cover (where available) – accidents at any time, not just during work.
  • Set benefit levels by job role, salary band or fixed unit amount.
  • Options for employer-paid or voluntary/employee-paid schemes.

2. Agree Benefits & Administration

  • Agree lump sum levels and weekly benefit amounts per unit of cover.
  • Add any optional extensions (e.g. hospital benefit, broken bones – where available).
  • Set simple eligibility rules for your workforce or membership base.
  • Decide how premiums will be collected (e.g. payroll deduction, direct debit, agency invoice).
  • Provide staff with clear benefit summaries and claim guidance.
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When one of our carers had a serious fall at a client’s home, the personal accident cover we’d put in place meant she had financial support straight away. Insure24 helped us build that protection into our benefits package.

Registered Manager, Domiciliary Care Agency

PERSONAL ACCIDENT INSURANCE
DESIGNED FOR CARE WORKERS, NOT GENERIC OFFICE STAFF

WHY USE INSURE24 FOR CARE SECTOR ACCIDENT COVER?

  • Understanding of domiciliary, live-in and community care risk.
  • Access to insurers comfortable with care worker exposure.
  • Ability to build schemes for small agencies through to multi-branch groups.
  • Joined-up thinking alongside your liability and medical malpractice covers.
  • Plain-English explanations for managers, carers and finance teams.
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FREQUENTLY ASKED QUESTIONS

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What is Care Worker Personal Accident Insurance?

It is an insurance policy that pays agreed benefits if a care worker suffers an insured injury as the result of an accident. Benefits may include lump sums for serious injuries or death and weekly payments if they are temporarily unable to work, helping to replace lost income.

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Is this the same as Employers’ Liability insurance?

No. Employers’ Liability covers the employer’s legal liability if they are found negligent. Personal Accident Insurance focuses on providing benefits to the injured care worker following an insured accident, regardless of whether anyone was at fault (subject to policy terms).

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Does it cover illness as well as accidents?

Standard personal accident policies focus on accidental bodily injury. Some products may offer limited sickness benefits or add-ons, but these will depend on the specific insurer and wording. We will explain what is and isn’t covered in any quotation we provide.

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Can self-employed care workers take out cover for themselves?

In many cases yes, subject to eligibility and underwriting. Self-employed carers and Personal Assistants can often arrange their own personal accident cover, with benefits and premiums tailored to their circumstances.

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Are bank or zero-hours carers covered?

Yes, schemes can usually be structured to include bank staff, agency workers and zero-hours employees – often on a named or declared headcount basis. We will discuss the best way to set this up for your service.

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Does cover only apply while working, or 24/7?

That depends on how the policy is arranged. Some schemes cover accidents “at work only”; others can be extended to include commuting or 24/7 cover. We will help you choose an approach that fits your budget and objectives.

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Are pre-existing conditions covered?

Personal accident policies normally focus on new injuries caused by an accident. Pre-existing medical conditions are usually excluded or may be taken into account when assessing claims. Full details will be explained in your policy wording and summary of cover.

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How are benefit levels decided?

Benefit levels can be set as fixed lump sums (e.g. £x for accidental death, £y per week for temporary disablement) or linked broadly to earnings. We will help you choose levels that are meaningful for staff, but also sustainable in terms of premium.

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How does a care worker make a claim?

The injured worker, or the employer on their behalf, will usually complete a claim form and provide supporting medical evidence and accident details. Insure24 can help guide you through the process and liaise with the insurer if any questions arise.

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How do we get a quote for our care service or for individual cover?

Simply contact Insure24 with an overview of your care organisation (or your own role if you’re an individual carer). We’ll ask a few straightforward questions and then obtain terms from insurers experienced in supporting the care sector.

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