Healthcare Protect from Fish Insurance

Specialist insurance for people who employ personal assistants (PAs) or carers to enable them to live independently in their own homes.

Our cover provides protection in the event of a claim resulting from injuries and damage to people and property.

Alongside this, you’ll have access to a whole host of additional benefits that enable you to employ with confidence, including access to 24-7 employment law, health & safety advice lines plus handy guides and top tips for those employing PAs and carers.

Healthcare Tasks

As you require cover for healthcare tasks, a separate policy in the name of your carer or carers can be arranged as part of this quote.

Key benefits at a glance*

Healthcare Protect

  • Up to £10million Employers’ Liability
    provides cover in the event that your carer makes a claim for compensation because of an injury or illness caused while they are delivering support duties to you. It doesn’t cover claims from a carer if they are named on the policy as the employer and/or for injury when the policyholder is not judged to be at fault.
  • Up to £10million Public Liability
    provides cover for bodily injury to other people or property belonging to others. It does not cover personal property damage or bodily injury to you.
  • Up to £4,000 Carer Redundancy
    covers the cost of statutory redundancy and notice to employees if you go into full time residential or nursing care, pass away or if you are told that funds have been reduced or withdrawn. It doesn’t cover you if the redundancy is voluntary or you intend to re-employ the person being made redundant. Advice must be taken from our Employment Law specialist Peninsula before any action is taken against an employee.
  • Legal Costs & Expenses
    Cover relating to employment claims brought against you. The insurance pays towards the cost of defending employment claims brought against you by the employee or former employee in a Civil Court or Employment Tribunal up to £200,000 per claim and up to £2m in any policy year. The policy excludes cover for employment claims arising from an event if you haven’t taken, and followed, the advice provided by our Employment Law specialist, Peninsula.
  • Up to £1,250 Additional Carer Costs
    If your carer is injured at work, the policy will pay towards any increased care costs. It does not cover the first 7 days following the injury.
  • Easy to understand policy wording
  • 24-hour access to Employment Law and Health & Safety advice
  • Access to handy guides and top tips for those employing PAs and Carers

Employee Protect

  • Up to £10m Public Liability
    provides cover for the costs of claims made against the carer by their employer or by other people/companies. The insurance pays for any compensation that might be awarded because of injury and/or damage to property belonging to the care user, the employer or others. It also includes liability cover for healthcare tasks carried out by the carer whilst employed by the employer named on the policy.  It doesn’t cover bodily injury to the carer and/or damage to property belonging to the carer.

*Limitations and exclusions apply, please refer to the Insurance Product Information Documents (IPIDs) below:

Healthcare Protect
Insurance Product Information Document (IPID) and the Legal Costs & Expenses Insurance Product Information Document (IPID)
Employee Protect
Insurance Product Information Document (IPID)

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