How to Become a Self‑Employed Carer: A Complete Guide

Thinking about becoming a self-employed helper or carer? You’re not alone. More people than ever are choosing self-employment in care because it offers flexibility, independence, and the chance to work in a way that suits their lives.

But getting started can feel confusing. From registering with HMRC to finding clients, there are steps you’ll need to take to set yourself up properly. This guide explains what’s involved, what families typically look for, and how platforms like Gladys can help you connect with the right opportunities.

Why do people choose to be self-employed carers?

• Flexibility – Decide your own hours, whether that’s hourly visits, overnight support, or live-in care.
• Independence – Run your care work as your own business.
• Earning potential – Set your own rates and keep more of what you earn.
• High local demand – Families across Bath, Bristol, Bournemouth and the wider South West are regularly looking for carers who can provide support at home.

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Step 1: Register as Self-Employed

To work for yourself, you’ll need to let HMRC know you’re self-employed.

• Register online at GOV.UK or by phone 0300 200 3504.
• You’ll need your National Insurance number and personal details.
• Each year, you’ll submit a Self-Assessment Tax Return.

Work out your tax each month

Because your income tax and National Insurance won’t automatically be deducted from your pay, some carers find working out their contributions, and moving these into a savings account each month can provide peace of mind when it comes to paying their tax bill each year. You can work out how much to put away each month with free tools like Money Saving Expert’s calculator. Tools like FreeAgent for example, can help you manage your income, store important documents, and even autofill 90% of your self assessment form. If in doubt, ask an accountant.

💡 Many carers set a reminder for 31 January (the deadline) so they don’t miss it.

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Step 2: Get an Enhanced DBS Check

Families want to feel confident that the person supporting them or their loved one is safe and trustworthy.

• Apply via GOV.UK or through an umbrella body.
• A DBS should be updated regularly (usually every 3 years).
• Platforms like Gladys will only introduce carers who can show a recent enhanced DBS.

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Step 3: Arrange Insurance

Insurance is a vital safeguard for anyone working independently.

• Public Liability Insurance is the minimum requirement.
• Specialist policies can also include personal accident or legal expenses.
• Some carers arrange cover through providers like Mark Bates Ltd or Towergate.

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Step 4: Gather References & Training Certificates

Families often ask to see references or training certificates.

• Two professional references are a good starting point.
• Useful training includes First Aid, Moving & Handling, and Dementia Care.
• Platforms like Gladys may ask for copies when introducing carers to families.

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Step 5: Decide Your Rates & Plan Your Income

Being self-employed means setting your own rates. These should reflect your skills, experience, and the type of care you provide.

• Typical local ranges:
  • Help in the home: From £15/hour
  • Hourly care in Bristol: £18–£22/hour
  • Live-in care in Bath or Bournemouth: £140–£170/day
• Expenses you might claim: mileage, parking, training, insurance, equipment, office supplies.
• Many carers find using a simple income calculator helps them plan ahead.

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Step 6: Think About Your Routine & Support Network

Self-employment can be rewarding but also demanding.

• Plan regular breaks, especially in live-in roles.
• Connect with local carer support groups (e.g. in Bristol, Bath & Somerset).
• Many carers find it useful to share experiences with others working independently.

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Step 7: Find Families Looking for Care

Once you’re set up, the next step is finding clients.

• Some carers find work through word-of-mouth or local adverts.
• Others use introductory agencies or platforms like Gladys, which connect carers directly with families.
• Remember: as a self-employed professional, you decide which opportunities to take on, your working pattern, and your rates.

What are the benefits of using a platform like Gladys?

• Our technology can match you to opportunities that are best suited to your location, skills an preferences
• You'll be able to apply for opportunities that suit you without needing to advertise
• We'll make sure you're paid on time and correctly, meaning there's no need to submit or chase invoices
• You'll get exclusive access to insurance from our partner Mark Bates Ltd.

FAQs – Common Questions About Becoming a Self-Employed Carer

Do I need qualifications to become a self-employed carer?
Formal qualifications aren’t always required, but training (like First Aid or Dementia Care) helps you stand out and often reassures families.

Can I work as a self-employed carer and still join an intro agency like Gladys?
Yes – Gladys is an introductory agency. Carers remain independent but can choose to be introduced to families through the platform.

How do I set my hourly rate?
Many carers look at local averages, then adjust based on their experience, location, and the complexity of care required.

What’s the difference between hourly, overnight and live-in care?

• Home Help: offering companionship and household & practical support to maintain independence
• Hourly care: support for day-to-day tasks and companionship, including personal care
• Overnight care: reassurance and support through the night.
• Live-in care: ongoing daily support from a carer who stays in the home.

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Final Thoughts

Becoming a self-employed carer can be a hugely rewarding step. You’ll have independence, flexibility, and the opportunity to build lasting relationships with the people you support.

And while it can feel daunting to start out, there are clear steps to follow – from registering with HMRC to arranging insurance. With the right setup, you can create a career that works for you and meets the growing demand for high-quality care at home in the South West.

👉 If you’d like to find out how carers using Gladys connect with families near you, you can submit your details here and we'll be in touch.