Support Worker Insurance

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Specialist Support Worker Insurance for community support workers, domiciliary support staff and small support teams – combining liability cover and other key protections for people working in clients’ homes and the community.

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

We work with leading UK insurers for care and support workers

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

INSURANCE BUILT AROUND SUPPORT WORKER RISKS

Cover for support workers delivering care and assistance in homes and the community

Whether you’re a self-employed support worker or part of a larger team, we can help arrange Support Worker Insurance that reflects the way you actually work – in clients’ homes, out in the community and alongside other professionals.

What Support Worker Insurance Can Cover

Support Worker Insurance is designed to bring together the key covers that individuals and organisations providing support in the community may need – typically public liability, professional-related covers and, where applicable, employers’ liability and other options.

  • Public liability for injury or property damage to clients or members of the public.
  • Cover for support visits in clients’ homes, community venues and public spaces.
  • Protection if a client alleges your support activities caused an accident.
  • Options to include professional indemnity / malpractice cover alongside public liability.
  • Cover that can extend to personal care, practical support and community activities (subject to terms).
  • Legal defence costs if a covered claim is made against you.
  • Employers’ liability where you employ support workers or staff.
  • Ability to cover multiple workers or a small support team under one policy.
  • Cover for support work linked to learning disability, mental health and physical disability services.
  • Options for higher limits if required by commissioners or agencies.
  • Policies tailored more closely to care/support work than generic business insurance.
  • Support in understanding what is and isn’t covered before you buy.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Key Risks Faced by Support Workers

Support work can be varied – from practical help at home to community-based activities. The following situations can potentially lead to claims.

Client & Public Incidents

  • Clients or visitors tripping over bags, equipment or mobility aids.
  • Slips or falls during everyday support tasks.
  • Accidents in shared or communal areas during visits.
  • Incidents while accompanying clients to shops, appointments or activities.
  • Allegations that your actions contributed to an accident or injury.

Property & Practical Risks

  • Damage to clients’ belongings while helping around the home.
  • Spills, breakages or accidental damage during support work.
  • Damage in community venues while running support sessions.
  • Claims from third parties who come into contact with your work.
  • Misunderstandings around the boundaries of your support role.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Why Support Workers Choose Insure24

We recognise that support work is often flexible, person-centred and carried out in a wide range of settings – so your insurance needs to keep up.

Sector Understanding

  • Experience with domiciliary care, community support and social care services.
  • Awareness of frameworks, commissioning and agency requirements.
  • Ability to combine public liability with other relevant covers.
  • Support with documentation needed for tenders and agency onboarding.
  • Focus on practical, plain-English explanations of cover.

Practical & Flexible Cover

  • Options for individual support workers and small teams.
  • Cover that can adapt as your hours, clients or services change.
  • Choice of limits to match commissioner and agency expectations.
  • Access to insurers who understand social care and support work.
  • Support at renewal if your service grows or changes focus.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

How to Arrange Support Worker Insurance

  • 1. Contact us with a brief outline of your support work.
  • 2. Tell us whether you work self-employed, via an agency or as an organisation.
  • 3. Share what type of support you provide – practical, social, personal or a mix.
  • 4. Let us know where you work (local area, region or wider).
  • 5. We approach insurers comfortable with care and support worker risk.
  • 6. We compare cover, exclusions, limits and premiums.
  • 7. You choose the Support Worker Insurance that best fits your situation.
  • 8. We arrange documents and remain on hand if your work changes.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Who Is Support Worker Insurance Designed For?

Our solutions can be tailored to a wide range of support roles and service types.

Individual Support Workers

  • Self-employed support workers contracted directly with clients.
  • Support staff working via introductory services or platforms.
  • Workers providing practical, social or low-level personal support.
  • Those needing proof of insurance for agencies or families.
  • People wanting clear, personal protection for their work.

Small Teams & Micro-Providers

  • Micro-providers offering support in a neighbourhood or local area.
  • Small organisations combining support with community activities.
  • Teams working with a mix of funded and privately-paying clients.
  • Groups needing cover that can expand as they grow.
  • Community interest companies and not-for-profit support projects.

Care & Support Organisations

  • Organisations delivering both domiciliary care and wider support.
  • Services supporting people with learning disabilities and autism.
  • Support around mental health, recovery and social inclusion.
  • Providers needing joined-up cover for teams and volunteers.
  • Charities working across multiple projects and localities.

Specialist Support Roles

  • Support linked to behaviour that challenges (subject to terms).
  • Support for people with complex physical or cognitive needs.
  • Roles involving close work with families and multi-agency teams.
  • Projects with specific contract or framework requirements.
  • Services adapting as needs, funding and policy evolve.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

The Cost of Incidents for Support Workers

Even a single claim can be stressful and time-consuming. Support Worker Insurance is there to help you cope financially and practically.

Financial Impact of Claims

  • Legal defence costs when allegations are made.
  • Potential compensation payments if you are found liable.
  • Costs associated with gathering evidence and information.
  • Loss of earnings if work is disrupted or paused.
  • Possible impact on future work opportunities without appropriate cover.

Emotional & Professional Impact

  • Stress for workers and managers involved in incidents.
  • Strain on relationships with clients and families.
  • Extra administration and documentation demands.
  • Concern about reputation with commissioners or agencies.
  • Need for support in navigating the claims process.

Having Insurance in Place

With appropriate Support Worker Insurance in place, you have access to legal and financial backing for covered claims, helping you focus on your work and the people you support rather than facing everything alone.

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Reducing Risk in Support Work

Good practice and clear boundaries help keep everyone safer – and support your insurance profile.

Everyday Good Practice

  • Being aware of your surroundings in clients’ homes and community settings.
  • Reporting and recording hazards, incidents and near-misses.
  • Following agreed plans around mobility, access and lone working.
  • Keeping clear notes of visits and key issues.
  • Knowing when to escalate concerns to managers or professionals.

Policies & Supervision

  • Clear role descriptions and boundaries for support work.
  • Regular supervision and opportunities to discuss risk.
  • Consistent documentation of key decisions and changes in support.
  • Training on safeguarding, dignity and professional conduct.
  • Reviewing risk assessments as clients’ needs change.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW
Quote icon

As a self-employed support worker, I needed cover that commissioners and families were happy with. Insure24 made it easy to understand my options and put the right insurance in place.

Alex P., Community Support Worker

UNIQUE INSURANCE
TAILORED FOR SUPPORT WORKERS 

PROTECT YOUR WORK AND THE PEOPLE YOU SUPPORT

  • Helps protect you and your clients against covered incidents.
  • Supports compliance with agency, commissioner and framework requirements.
  • Provides reassurance for families and professionals you work with.
  • Forms part of a professional approach to support work.
  • Gives you more confidence to focus on what you do best.
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

FREQUENTLY ASKED QUESTIONS

+-

What is Support Worker Insurance?

Support Worker Insurance is a package of insurance covers designed for people providing support in clients’ homes and the community. It typically includes public liability and may also include professional-related covers, and employers’ liability if you have staff.

+-

Do support workers need insurance?

Many commissioners, agencies and introduction services expect support workers to hold appropriate insurance, especially public liability. Having cover also helps protect you financially if a client or member of the public makes a covered claim against you. For detailed legal or regulatory advice you may wish to speak to a professional adviser.

+-

Is this insurance suitable for self-employed support workers?

Yes. We can often arrange Support Worker Insurance for self-employed individuals working directly with clients or via agencies, subject to the type of support you provide and your circumstances.

+-

Is public liability included in Support Worker Insurance?

Public liability is usually a core part of Support Worker Insurance, because it responds to certain injury or property damage claims brought by clients or members of the public as a result of your support work, subject to the policy wording.

+-

What limit of indemnity should I choose?

The most appropriate limit depends on your work, any contractual requirements and your own view of risk. £1 million is often a starting point, with many support workers and providers choosing £2 million or £5 million limits. We can discuss what is common in your area of work and reflect that in quotes.

+-

Does this cover employees as well as myself?

Public liability relates mainly to third parties such as clients and members of the public. If you employ staff, you will usually also need Employers’ Liability Insurance, which is a separate cover for certain claims brought by employees. We can include this where required.

+-

Will Support Worker Insurance cover all my activities?

It is important to tell us what type of support you provide so the policy can be set up correctly. Some high-risk activities may need specific consideration or may be excluded, depending on the insurer. We will explain any key limitations we are aware of before you decide whether to proceed.

+-

How quickly can Support Worker Insurance be arranged?

Straightforward support worker risks can often be quoted and arranged quickly once we have the key information about your work, locations and requirements. More complex organisations may take longer while we obtain and compare terms.

Related Blogs