As a self-employed carer it’s vital that you have suitable carer insurance in place, to protect both you and your clients.

There are various different companies that provide insurance – see our article on the insurance you need to work as a paid carer? which has links to various companies who provide carers insurance.

You’re the Boss has teamed up with Surewise as an appointed representative for their products.   You can get carers insurance from £6.25 per month for Bronze up to £13.25 per month for Gold Cover.

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Self Employed Carer Insurance

Cover Includes;

  • Public Liability up to £5m
  • Loss or Damage to Property
  • Accidental Injury
  • Legal Expenses

It’s worth noting that, at long as you’ve received suitable training, all levels of this policy will cover you to administer medicine to your client.

Cover Details

Public Liability

  • Accidental injury to any person
  • Loss of or damage to any property
  • Overseas cover up to 90 days available

Loss of Property

  • Personal belongings at work up to £250
  • Personal or user’s belongings as a result of You being mugged
  • Replacement of Keys & Locks up to £100
  • Damage to user’s property by forced access due to a medical emergency

Personal Accident

  • Includes overnight Hospital stay for yourself due to bodily injury
  • Permanent total or partial disablement
  • Bodily injury including accidental death

Legal Expenses up to £100,000

  • Legal Defense and costs in case of allegations of negligence or abuse
  • Carers Legal Protection & 24/7 Legal Advice Helpline


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You’re the Boss Enterprises Ltd is an Appointed Representative (Firm Number 849594) of Sure Wise Limited who are authorised and regulated by the Financial Conduct Authority (FCA). FCA Firm Reference Number is 618327. Sure Wise Limited is a company registered in England and Wales with company number 07432009. Their registered address is Unit 3, Hadleigh Park Business Park, Chapel Lane, Hadleigh, Essex, SS7 2PP.