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More than half (51%) of self-employed home carers in Brighton and Hove have suffered a serious workplace injury, according to new research which highlights the physical demands of caring alongside ongoing uncertainty around insurance and legal liability.
A survey of self-employed carers working in family homes across Brighton and Hove found:
Despite the prevalence of workplace incidents, the research, commissioned by specialist insurance provider Surewise, highlights ongoing confusion around legal liability and uncertainty over insurance needs.
The survey found:
Public liability insurance can help protect carers if they are found legally liable for accidental injury to a client or damage to their property, helping to cover legal defence costs and compensation claims.
Stuart Bensusan, director at Surewise, said: "Carers work in challenging environments every day where the risk of injury and accidents is high. Yet despite these risks, many still appear unsure about where legal responsibility sits if something goes wrong, or whether they have the right insurance in place.
"If a client is injured and you're found legally liable, not having appropriate cover could leave you facing significant legal and financial costs. It's important for carers not to assume someone else's insurance will automatically protect them."
The warning comes as demand for home care is expected to increase across the region. In January 2026, University Hospitals Sussex NHS Foundation Trust reported that over the next 20 years the proportion of people aged 75 and over in the South East will increase from 10% to 15% — an increase of around half a million people.
Surewise is encouraging self-employed home carers to review their insurance arrangements regularly to ensure they have cover that reflects the way they work.
Stuart added: "As demand for care at home continues to grow, it's increasingly important that carers understand their responsibilities and the protection available to them, so they're not left exposed when accidents happen."
For more information, please visit www.surewise.com.
Ends
Research was conducted by Censuswide for Surewise in June 2026, among a sample of 250 UK self-employed carers and domiciliary care workers, with 69 carers from Brighton and Hove. Censuswide is a member of the Market Research Society (MRS) and the British Polling Council (BPC), and a signatory of the Global Data Quality Pledge. It adheres to the MRS Code of Conduct and ESOMAR principles.
For more information, please contact:
Fran Herring, Rose Lock or Alex Hankinson
Midnight Communications
T: 01273 666 200
About Surewise
Surewise is a leading specialist insurance intermediary which offers a variety of insurance products, including mobility, carers and storage insurance to customers across the UK.
Surewise provides insurance through a partnership with underwriters SAGIC, the Salvation Army General Insurance Corporation, whose profits support Salvation Army charities and give back to vulnerable members of society, including people experiencing homelessness, human trafficking, poverty and unemployment.
Based in Hadleigh in Essex, its growing team is united by a passion to build trust, care and fairness within the insurance sector.
As of 2026, Surewise has more than 15,000 reviews on Trustpilot, with an overall 'Excellent' rating of 4.8.