Carer and Personal Assistant Insurance from Fish Insurance
As one of the UK’s longest established and leading disability insurance specialists, we understand that the service carers and personal assistants provide is essential to the health and wellbeing of people across the world.
However, it is important for your health and wellbeing to be protected too, which is why we provide a policy that was designed with Carers and Personal Assistants in mind.
Key Benefits at a glance*
- Up to £5million public liability cover:
- Protection against errors and omissions in the provision of medical treatment which you are qualified to perform
- Accidental damage to property. You must pay the first £100 of any property damage claims
- Accidental bodily injury to any person
- Legal costs and expenses incurred in defending prosecution under food, health and safety acts
- Up to £10,000 personal accident cover, with hospital allowance, if you suffer serious accidental injury whilst carrying out support duties for your employer. No more than £50,000 can be claimed in total in any policy year
*Limitations and exclusions apply, please refer to the Insurance Product Information Document (IPID) for more details.
Why choose this cover?
Covers your legal liability to others if you accidentally damage someone’s property while you’re working. You must pay the first £100 of any claim
Covers your legal liability to others if, while you’re working, you accidentally cause bodily injury to someone else, including the person you’re caring for.
Covers the costs of defending criminal proceedings arising from an alleged breach of Food or Health & Safety Acts.
Provides various benefits if you have an accident, including covering the cost of alterations to your house following an accident leaving you totally disabled. This benefit also covers employees if you ask us to do so.
See what our customers are saying about Fish’s service
And we don’t stop there…
We’ve answered some of the questions you may have about our Carer and Personal Assistant Insurance
QIs there any other special type of insurance I need to be a carer or personal assistant?
AIf you use your car to drive your clients/employer to the shops, hospital appointments etc. you need to have the right insurance cover. This means your car insurance policy needs to cover you for business use. Here at Fish we offer car insurance for carers & personal assistants. To find out more, give us a call on 0333 331 3770
QWhat happens if my client tries to sue me?
AAt one time, it was costly to try and sue somebody. However, with the large amount of ‘no win no fee’ claim companies existing today, people often make a claim even if they think their chances are fairly slim. If you’re sued, and you don’t have the right insurance, you could end up paying out thousands of pounds in compensation. Fish’s Carer & Personal Assistant Insurance will help you to defend yourself in criminal proceedings, should your client try to sue you for an (alleged) breach of Food Safety or Health and Safety Acts. Cover isn’t provided for fines or penalties.
QAm I covered if I accidentally damage my client’s property?
AThe Public Liability element of our Carer & Personal Assistant policy covers you in case you accidentally damage your client’s property. This cover has a limit of up to £5million and you must pay the first £100 for damage to someone else’s property.
QAm I covered if I accidentally give my client the incorrect medication?
AIf you should happen to accidentally give your client the wrong medication, you will be covered for up to £5million. The cover wouldn’t be valid if you deliberately gave the client the incorrect medication or gave the incorrect medication because you were performing duties you hadn’t had appropriate training to perform. As with all insurance policies, limitations and exclusions apply, so be sure to check the full policy documents before making the choice to purchase cover.
QAm I covered if I accidentally injure my client?
AInsurance for carers and personal assistants from Fish Insurance offers cover of up to £5million if you accidentally injure your client while performing support duties. The cover wouldn’t be valid if you deliberately injured the client or if you were performing duties you hadn’t had appropriate training to perform. Other exclusions apply, so be sure to check the full policy documents before making the choice to purchase cover.
QAm I covered if I get injured at work?
AIf you’re self-employed, you don’t have the benefit of being covered by your employers’ liability insurance policy. But, with our Carer & Personal Assistant cover you get up to £10,000 personal accident cover to protect you in case you are injured at work. This cover wouldn’t be valid if you were undertaking certain dangerous activities such as rock climbing, or if the accident was as a result of drunkenness. Other exclusions apply, so be sure to check the full policy documents before making the choice to purchase cover.
QI’m self-employed. Do I need Carer & Personal Assistant insurance?
AIf you’re self-employed, it’s a good idea to invest in insurance. It means that you are protected should something go wrong at work. Clients may also check that you have public liability insurance, in order to give themselves peace of mind that they’ll be protected if an accident occurs.