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Caretaker Insurance

Specialist insurance for caretakers.

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Cover for your business, staff, tools and equipment

Quick online quotes in less than 90 seconds

Rated 4.7 out of 5 by our customers on Feefo

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Caretakers are responsible for maintaining the property of their employer, with duties potentially including repair work, grounds maintenance, cleaning, accepting deliveries, overseeing surveillance, preparing rooms, and monitoring heating systems. It is a role that can pose a great deal of liability risk to the public. If you are self-employed or a contractor, then you could benefit from our caretaker insurance.

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What is caretaker insurance?

Caretaker insurance is a range of different types of liabilities cover, that will protect you from compensation claims due to accidents and injury to members of the public, or due to accidental damage to property. The range of policies we offer can cover your tools and equipment, office contents, and accidents and illness.


Why do caretakers need insurance?

Caretaker roles typically require early morning starts and late evening finishes, sometimes working in shift patterns. Working hours such as these can cause tiredness, which in turn can result in accidents and mistakes in your work and decision making.

Examples of why caretakers need insurance include:

  • Accidents at work can result in time unable to work and reduced income as a result. Personal accident insurance can help.
  • Mistakes in your work can result in business disruption and a loss of revenue for your employer. If a claim is made against you for alleged negligence, then professional indemnity insurance can help with the cost for defending the claim.

Why choose Caunce O'Hara for your insurance?

As trades insurance experts, we're your number one choice for your business protection.

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Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

Golden star
I had spoken to Caunce O'Hara prior to the transaction and it all went smoothly for me. I have used them now for 12 years.
Trusted Customer
Golden star
Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
Trusted Customer
Golden star
Company insurances renewed for another year with Caunce O'Hara. No drama, issues or concerns.
Trusted Customer

Frequently asked questions about caretaker's insurance

At Caunce O’Hara we offer the opportunity to tailor your insurance to meet your needs, including:

Alleged responsibility for an accident to the member of the public – As a caretaker, you are responsible for the upkeep of premises which typically welcome members of the public, such as schools, offices, banks and libraries. If someone has an accident you could be held responsible and face a compensation claim.

Personal injury – After years of manual work you require an operation resulting in you not being able to work. Personal accident insurance offers cover for your loss of earning.

Theft or damage to your tools and trade materials – Your essential tools, equipment or materials are stolen.

Negligent work – If fire alarms and extinguishers are not maintained to the required specification, or if the quality of your work is called into question by a site inspector, then you will benefit from holding professional indemnity insurance to cover the costs of defending a claim against you.

Caunce O’Hara are experts for tradesman insurance. These are just a few of the reasons to choose us for your cover:

Quick online quotes

Complete our simple online quote form and get a quote in as little as 90 seconds.

Affordable protection

Our pricing is fully transparent, meaning you won’t be charged any hidden or unnecessary fees.

Platinum rated customer service

Customer service has always been at the top of Caunce O’Hara’s priorities, which is reflected in our positive Feefo feedback.

Over 25 years’ experience

We have been offering business insurance to self-employed professionals since 1995. As a result we understand the needs of self-employed business owners and contractors, which enables us to provide the cover you need.

The cost of an annual premium varies depending on your type of cover and the level of cover you need. Our public liability insurance for caretakers starts from £56.54 for £1million of annual cover, which we think represents real value for money.

* Price quoted is inclusive of Insurance Premium Tax at the current rate, and based on a caretaker with 1 employee, 5+ years trading and no claims in the last 3 years.

As well as public liability insurance, we offer a range of insurance covers for your individual circumstances, including:

  • Personal accident insurance – covers you for accidents sustained in the course of your work and can pay a lump sum or regular payments to cover loss of earnings.
  • Employers’ liability insurance (EL) – is a legal requirement if you employ staff, with a minimum of £5 million of cover to protect your employees.
  • Tools insurance – available with our public liability insurance policy, provides cover from £1,000 to £5,000 for the replacement of your lost, damaged or stolen tools.
  • Good in transit insurance – provides cover for your goods against theft, loss or damage while they are being transported in your own vehicle, or on your behalf by a third-party carrier. The policy can cover theft of items whilst in transit; damage caused by an accident during transit; loss of items during transit; and damage caused to items during transit.
  • Plant insurance (PI) – we offer cover for both hired-in and owned plant equipment. Plant insurance can cover the costs incurred for ongoing lease hire for hired-in plant while the hired plant is being replaced, recovered or repaired, and can cover the cost of repairing or replacing owned plant following theft, loss or damage (accidental or malicious) to your equipment.
  • Contract works insurance – cover for costs incurred in having to re-do work that is part of a contract, including the cost of the tools, materials and the labour, should the existing work be destroyed by fire, flood, or theft.
  • Professional indemnity insurance (PI) – covers professionals who give advice, provide designs or other professional services to customers and covers allegations of negligent work.

The excess is the amount you pay towards a claim you make on your insurance policy. For example, if you make a claim for £1,000 for stolen tools and your excess is £200, then your payout will be £800.

Insurance policyLowest excessHighest excess
Public liability insurance£250£250
Employers’ liability insurance£0£0
Tools & trade materials cover (can only be purchased with the public liability policy)£250£250
Personal accident insurance£0£0
Professional indemnity insurance£250£500

Please note the figures shown are for illustrative purposes only and any excess applied to your quote may differ, or affect the price.

Contact us

Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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Contact Caunce O'Hara for your business insurance today