Why Insurance Matters
As an independent respite provider, it’s essential to protect yourself, your clients, and your community. Appropriate insurance provides:
Personal liability coverage in case of accidents or damage
Protection for activities with clients, including respite, companionship, or outings
Peace of mind for families and carers who trust you
Types of Insurance You May Need
1️⃣ Public Liability / Personal Liability Insurance
Covers claims made by clients, families, or third parties if something goes wrong while you’re providing respite or companionship. Typical policies cover accidents, injury, or property damage. Some insurance providers offer packages specifically for care or home support workers
2️⃣ Professional Indemnity / Errors & Omissions
Covers you if a client alleges negligence, misadvice, or failure to provide expected services.This is optional but recommended for providers giving advice or structured support.
3️⃣ Business Car Insurance
If you use your vehicle for client visits, trips, or errands. Standard personal car insurance may not cover business use. You may need a business or “social, domestic, pleasure plus business use” policy. Check with your insurance provider before transporting clients
4️⃣ Home Insurance (if working from home)
If you meet clients at your home: Inform your home Insurer, ensure your policy covers business-related visitors.
How to Get Insured
Check existing coverage
Some existing professional or trade insurance may already include public liability
Specialist providers
Providers such as Simply Business, Care Insurance Services or local brokers offer packages for independent carers
Car insurance
Contact your insurer and explain you will use your vehicle for care visits. Ask if you need a business-rated policy.
Keep documentation
Keep certificates of insurance and expiry dates. RespiteConnect may request confirmation before introducing you to families.
Our Approach
RespiteConnect does not provide insurance for providers. We require providers to have appropriate insurance before introductions are made. This is essential for:
Personal safety
Client safety
Legal compliance
Trust with families
Need Guidance?
If you’re unsure what insurance applies to your circumstances, or how to check with your provider, submit your Provider Interest Form. We can provide guidance and point you to suitable providers.