Private Staff
Cover

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Care for your team, just as they care for your home.

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What is Private Staff Cover?

Private Staff Cover is specialist insurance for high net worth individuals who employ domestic staff within their homes or estates. It forms an essential part of a comprehensive high value household insurance policy, offering legal liability protection, accident cover, and support for employment disputes.

Whether you employ a nanny, housekeeper, gardener, chef, or chauffeur, Private Staff Insurance helps safeguard both you and your employees—ensuring you're covered for workplace incidents, injuries, or allegations.

Who Needs Private Staff Liability Insurance?

This cover is vital for individuals who employ one or more staff members in a private domestic setting. You may need Private Staff Liability Insurance if you have:

  • Full-time or part-time nannies – Providing childcare at your home.
  • Housekeepers and cleaners – Managing domestic routines and upkeep.
  • Chauffeurs or drivers – Offering regular or ad-hoc transport.
  • Gardeners or estate workers – Maintaining outdoor grounds or land.
  • Private chefs, butlers, or personal assistants – Supporting lifestyle and hospitality needs.

Why is Private Staff Insurance Important?

If you employ domestic staff, you are legally required to carry Employer’s Liability Insurance. Beyond this, Private Staff Cover helps protect against injury claims, disputes, or property damage—giving you peace of mind while maintaining a professional household environment.

Key protections include:

  • Employer’s Liability – Mandatory cover for injuries or illness sustained while working for you.
  • Legal Expenses Cover – Defence against claims of unfair dismissal, discrimination, or contract disputes.
  • Public Liability Protection – If your staff accidentally cause injury or damage during duties.
  • Optional Personal Accident Cover – For serious injury or death of your employee during employment.

What’s Typically Included?

  • Employer’s Liability Insurance – Usually up to £10 million indemnity.
  • Cover for Temporary or Seasonal Staff – Including part-time or ad-hoc workers.
  • Legal Guidance and HR Support – Available through select high net worth insurers.
  • Discreet Claims Handling – Delivered through private client service teams.

What May Not Be Covered?

  • Employees without a formal written contract.
  • Claims involving illegal workers or non-compliant employment.
  • Injuries outside of working hours or duties.
  • Failure to follow employment law and health & safety regulations.

Additional Specialist Options

For a fully integrated protection package, you may also consider:

  • High Net Worth Home Insurance – Bespoke protection for your property and contents.
  • Chauffeur Vehicle Cover – Specialist cover for staff-driven vehicles.
  • Cyber Insurance for Private Clients – Protects digital life, identity, and data.
  • Family Office Cover – Coordinated multi-property and staff insurance solutions.

Protect the people who keep your home running

At Insurably®, we understand that your staff are more than employees—they’re part of your daily life. We work with the UK’s leading high net worth insurers to provide discreet, compliant, and intelligent cover for your household team.

Start your tailored quote today and protect your home, lifestyle, and responsibilities—beautifully, intelligently, and without compromise.

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  • Discreet, expert advice tailored to your household.
  • Compliant cover from top-tier private client insurers.
  • A named contact—no call centre queues.

What does Private Staff Cover include?

  • Private Staff Cover
  • Valuable Possessions Cover
  • Alternative Accommodation

What's Covered?

What's Not Covered?

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Employing private staff—like nannies, housekeepers, or gardeners—comes with legal responsibilities that many households overlook. With the right Private Staff Cover in place, you’re protected against employment disputes, liability claims, and more. Insurably ensures the process is simple, confidential, and tailored to your household's needs.
Emily Turner Managing Director | Turner Consultants

25+

years of experience in home insurance

100+

insurer markets accessed

100%

confidence in property protection

Frequently Asked Questions

Yes. In the UK, if you employ anyone in your home — whether full-time, part-time, or casually — you are legally required to have Employer’s Liability Insurance. This includes nannies, cleaners, gardeners, chefs, and other private staff. Without it, you may face fines of up to £2,500 per day.
Private Staff Insurance typically includes:
  • Employer’s Liability Insurance – Covers injury or illness sustained while working for you.
  • Public Liability Cover – If staff cause accidental damage or harm while on duty.
  • Legal Expenses Cover – Support for disputes, wrongful dismissal claims, or employment tribunals.
  • Optional Personal Accident Cover – For serious injuries to employees in the course of their duties.
Yes. Private Staff Cover can be tailored to include live-in employees such as au pairs, carers, or housekeepers. It’s important to disclose their role and living arrangements when setting up the policy so that all risks are properly accounted for.
In many cases, yes. If your staff accompany you for work-related duties off-site — such as a chauffeur driving to another location or a nanny attending activities with your children — they can be covered under your policy. Always check that your insurer includes off-premises liability as part of the policy wording.
Absolutely. Private Staff Cover can be arranged to include short-term, seasonal, or temporary staff, such as event chefs, holiday nannies, or additional housekeeping help. Be sure to inform your broker or insurer about the nature and duration of employment.
The cost of Private Staff Insurance varies depending on how many employees you have, their job roles, and your overall lifestyle and risk profile. For most households, it is an affordable addition to a wider High Net Worth insurance policy, often starting from as little as £150 annually when combined with home or estate cover.
You can request a personalised quote directly through Insurably by using our quote form or speaking with one of our private client advisers. We’ll ask a few simple questions about your household setup, the roles your staff perform, and whether they live in or travel. From there, we’ll arrange tailored cover through a trusted High Net Worth insurer.