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Caretakers Insurance

Public liability insurance for a caretaker, starting at less than £54* per year

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Tradesman Saver’s Public Liability Cover For Caretakers

Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million or £5 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

There are many insurance options which would benefit your caretakers business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.

Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Other relevant insurance policies for a caretakers business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance. Here at Tradesman Saver we have all the coverage you may need as a caretaker and you can get your quote online in minutes.

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How our caretakers insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

What is caretakers insurance?

As a business owner, you already know that accidents have a habit of happening when you least expect them. But working as a caretaker, you also know that you face a unique set of risks in your trade every single day. You need to be prepared for every eventuality, but sometimes being careful just isn’t enough. You need insurance that reflects the needs of your trade – not another generic business insurance policy that promises the world and doesn’t deliver.

Why do you need caretakers insurance?

Here at Tradesman Saver, we’re wholeheartedly against generic business insurance policies. As insurance experts specialising in providing cover for trades like yours, we know that every trade needs a unique policy tailored to their needs and demands. That’s why our insurance policy for caretakers has been specifically designed through communication with businesses like yours. Simply customise your policy with our online quote form, pick the covers you feel you need most, and don’t pay a penny over what you need. That’s insurance, made simple.

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Chosen by over 5000 businesses and counting *

  • Online & Anywhere

    Online & Anywhere

    We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

  • Monthly Instalments

    Monthly Instalments

    Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

  • Instant Cover

    Instant Cover

    No need to wait for your documents. Our tradesman cover starts from the date you select.

  • Added protection

    Added Protection

    Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/01/2024

Complete Protection, When You Need It Most

As a caretaker, a lot of responsibility falls to you to look after your client’s property. As professions go, it’s one of the ones where you’re most careful, because when you’re in charge of looking after something, you have to make sure nothing happens on your watch. But even still, being cautious doesn’t always mean you won’t be faced with an accident. Sometimes accidents just happen, and when they do, you need to know you’re covered for whatever happens. With that in mind, here’s just a few situations where your insurance could really help you out of a bind:


The broken laptop

You’re on a job at a client’s property, looking after it while the owner has gone away for the week. You decide to begin tidying up, but as you’re moving a laptop from the coffee table, it slips out of your hands and breaks on the hardwood floor. When the owner returns, they decide to seek compensation from you for the damage to their property. Fortunately, your public liability insurance has you covered for this kind of event. It’ll cover the costs of the damage for you, so you can continue running your business without the fear of financial ruin.

Thief in the night

You’re on a job at night, looking after a client’s property. You go out to get some equipment from your van to start tidying the property for the client’s return, but when you return to your van a little later to load your equipment back in, you discover your van has been broken into and the equipment you had in the van has been stolen. This is where your tools & equipment cover could really help you out of a jam – through it, your insurer will cover the costs of replacing your missing equipment, so you can get back to work in no time.

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*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 13% of new customers paid less than £54 between 1st January 2024 and 30th January 2024. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2024 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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