Independent Living
Insurance

Independent Living Insurance

As one of the UK’s longest established and leading disability insurance specialists it should come as no surprise to learn that Fish pioneered policies to protect those using the government’s direct payments and other personal budget schemes. Our groundbreaking Independent Living insurance policies provided unrivalled protection for people employing their own personal assistants or carers.

We offer two levels of protection with our Full Cover policy providing extensive benefits including 24-hour access to the UK’s leading employment law specialists. This will equip you with expert advice letting you better manage your employees and minimise the risk of legal disputes from handling disciplinary matters, absenteeism, health and safety, sickness and other employment issues. Should you face an employment tribunal our policy will cover your costs for resisting and defending an action plus any awards made against you for unfair dismissal or discrimination.

Among the many benefits offered by our Full Cover Independent Living Insurance policy are:

• 24-hour support from the UK’s leading provider of employment law and health and safety services
• Up to £10 million employment liability insurance cover
• Up to £5 million public liability cover
• Redundancy cover
• Protects against theft by your employee
• Replacement PA cover
• Protection against breaches of Health & Safety at Work, Defective Premises and Data Protection legislation
• Cover for errors and omission by your employee
• Personal accident insurance

To see the difference in benefits from Basic Cover to Full Cover click here

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