If you employ carers or PAs, you might be here because…
- You’ve been told by your Local Authority, social care team, or solicitor that you need employers’ liability insurance.
- You’re using Direct Payments or a Personal Health Budget to employ your own PAs, and you want to make sure you’re meeting all requirements with confidence.
- You want to protect yourself and your carers from legal and financial risk if something goes wrong.
- You’re looking for insurance that understands independent living arrangements, not standard business policies that don’t quite fit with your needs.
- You need clarity about what you’re responsible for as an employer, with cover that genuinely helps you meet those obligations.
Fish understands care insurance
We’ve been working with the disability, care, and independent living sectors since 1975. We’re trusted by and work closely with Local Authorities, social care teams, care agencies, and disability charities across the UK to provide specialist cover for carers, PAs, and the people who employ them.
Care work is highly personal. We understand that liability is a genuine concern, and that both carers and individual employers need reassurance. That’s why our policies are built around real-life care situations – not generic business risks.
As a specialist disability insurer, we’re here to support you, not just provide a policy. We work alongside the professionals who make independent living possible every day because we believe insurance should feel like a safety net, not a tick box exercise.
More than a policy provider
We recently carried out customer research which told us that over 60% of carers and Personal Assistants bought insurance because it’s “the right thing to do as a responsible person.”
But insurance is just one part of the support you need. That’s why Fish works in partnership with:
Local Authorities and social care teams who signpost carers and individual employers to us for appropriate, compliant cover.
Care agencies who refer our policies to their self-employed carers because they know we understand the sector.
Mobility retailers and healthcare providers who know Fish has been supporting this sector for 50 years.
When you choose Fish, you’re working with a specialist insurer that’s genuinely embedded in the care and disability community. We understand your day-to-day reality, not just your insurance needs.
Policies designed with you in mind
If you’re a self-employed carer or PA, choose Fish for:
- Specialist insurance designed for people who work in care; covering public liability up to £10 million and personal accident cover up to £10,000.
- Cover that protects your professional reputation if you’re accused of causing accidental injury, damaging property, or making mistakes in your care work.
- Legal defence costs if you face prosecution under Food Safety or Health and Safety Acts while carrying out your duties.
- A policy that 62% of customers agreed helps to enhance your professional reputation and credibility – showing your clients you’re serious about protecting them and yourself.
If you employ carers or PAs, choose us for:
- Three levels of insurance (Basic Protect, Care Protect, Healthcare Protect) so you can choose the cover that suits your needs.
- Employers’ liability insurance (legally required in most cases) that protects you if your carer or PA is injured while working for you.
- Public liability cover for injury to others or property damage during care activities.
- Additional benefits with Care Protect and Healthcare Protect policies, including 24/7 HR and employment law advice, redundancy cover and legal costs protection.
- Access to over 150 of NCFE and Skills for Care endorsed eLearning courses, covering essential topics such as Manual Handling, Safeguarding and First Aid.
- Healthcare Protect adds healthcare liability cover for carers and PAs who carry out healthcare tasks, giving you added reassurance where clinial responsibilities are involved.
Limitations and exclusions apply, please refer to the relevant Insurance Product Information Documents (IPIDs) for more details.
Speak to one of our experts: 0333 331 3770
Our UK-based team are here to help
Financial Promotion Reference: Webpage – WAV FP26064
