Home Help Insurance for Families Employing Domestic Staff – Reliable Protection for Your Household
Employing domestic staff — whether a nanny, housekeeper, cleaner, home helper, or general household support — brings valuable help to your home. These professionals contribute to your family’s wellbeing, your peace of mind, and the smooth running of your household.
But as soon as you employ someone in the UK, even part-time, you are legally considered an employer. With this status comes responsibilities, risks, and potential liabilities.
Home Help Insurance, provided through our collaboration with Mark Bates Ltd, offers families a comprehensive and straightforward way to stay protected. Designed specifically for households employing domestic staff, this policy covers the essential areas you are legally and practically responsible for.
Why Home Help Insurance Is Essential
Many families are unaware that standard home insurance does not cover incidents involving domestic staff. If your nanny or housekeeper is injured while working, you may be legally and financially responsible — even if the accident was nobody’s fault.
Home Help Insurance ensures that you are properly protected as an employer. It gives you the reassurance that if something happens, you have the right support in place. It also shows your employee that you value their safety and wellbeing — an important part of building a respectful, professional working relationship.
What the Home Help Insurance Covers
Employers’ Liability – £10 Million
This is a legal requirement for all UK employers.
If your domestic staff member becomes injured or ill as a result of their work, Employers’ Liability covers the costs, protecting both you and your employee. Without this, you risk significant financial exposure.
Public Liability – £5 Million
If a third party — a visitor, contractor, neighbour, or delivery person — suffers injury or damage while your domestic staff are carrying out their duties, this protection covers you as the employer.
Personal Accident
This benefit provides additional peace of mind. If you, as the employer, suffer an accident related to the employment context, you receive financial support.
Financial Loss Cover
If your employee’s actions result in financial damage — such as theft, fraud, or the misuse of debit or credit cards — this policy helps protect your household.
Employment Support – 24/7
Employment laws can be complex, especially for private households.
This service gives you round-the-clock access to professional advice regarding employer responsibilities, contracts, working hours, holiday calculations, and more.
Hassle-Free Claims
A UK-based claims team is available to help you understand, process, and manage any claim quickly and clearly.
Annual Price
Home Help Insurance is available at £94.00 per year, covering up to two domestic staff members employed within the same household.
For households with more staff, additional cover can be arranged directly with the insurer.
How to Purchase
You can purchase this insurance easily online using our dedicated Mark Bates Ltd partner link:
👉 Home Help Insurance link here
Frequently Asked Questions (FAQ)
Is this insurance required by law?
Employers’ Liability is legally required for anyone employing domestic staff in the UK. This policy ensures you meet that requirement.
Does it cover part-time, full-time, live-in, and live-out staff?
Yes — all working arrangements are covered under the policy.
What if I employ a nanny and a cleaner?
You are covered for up to two domestic staff members. Additional staff can be discussed directly with the insurer.
Is this insurance suitable for temporary or seasonal employees?
Yes — as long as they are working for you in a domestic role, they can be included.
Final Notes
Home Help Insurance is not only about compliance — it is about ensuring your household, your finances, and your domestic staff are fully protected.
With the right insurance in place, you can focus on welcoming trusted professionals into your home with confidence and clarity.
