Private Staff
Cover

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

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Overview

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 This?

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 it 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.

Coverage at a Glance

Know exactly what you're protected against.

What's Covered

What's Not Covered

Additional Cover You May Need

Depending on your business type, consider adding these protections.

Business Building

Protect your premises and business assets.
Employers' Liability

Cover for employee injuries or illness.
Professional Indemnity

Protection against claims for advice.
Business Interruption

Income protection during disruptions.

Get the right cover for your business

At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.

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What does Private Staff cover you for?

Valuable Possessions Cover

Protect high-value possessions with tailored cover for fine art, jewellery, and luxury items—worldwide and without depreciation at claim time.

What's Covered

  • Worldwide valuables cover: Jewellery, watches, and art protected wherever they go.
  • Agreed value policies: Set values prevent disputes at claim time.
  • Specialist valuations: Includes art appraisals and item-specific protection.

What's Not Covered

  • Unscheduled high-value items: Items not listed individually may be excluded.
  • Outdated valuations: May impact pay-outs without updated records.
  • Wear and tear: Natural ageing not covered.

Alternative Accommodation

In the event of a serious claim, you shouldn't have to compromise your lifestyle. High Net Worth policies provide like-for-like alternative accommodation while your home is restored.

What's Covered

  • Luxury alternative accommodation: Stay somewhere of equivalent standard.
  • Cover for staff and pets: Boarding and relocation assistance included.
  • Additional living expenses: Utilities, travel, and meals covered.

What's Not Covered

  • Non-insured causes: Only insured events are eligible.
  • Voluntary relocation: Moving out without necessity is not covered.
  • Luxury upgrades beyond limits: Additional costs may not be reimbursed.
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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

2,905

business types covered

100+

insurer markets accessed

100%

confidence in business protection

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