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Independent Living Insurance

Specialist insurance for people who employ personal assistants (PAs) or carers.

Independent Living Insurance from Fish Insurance

As one of the UK’s longest established and leading disability insurance specialists, it should come as no surprise to learn that Fish Insurance pioneered policies to protect those using the Government’s direct payments and other personal budget schemes.

Our ground-breaking Independent Living Insurance policies provide unrivalled protection for people employing their own personal assistants or carers.

Key benefits at a glance

Up to £10 million employment liability insurance cover

Up to £5 million public liability cover

24-hour support from the UK’s leading provider of employment law and health and safety services*

Protects against theft by your employee*

Redundancy cover*

Replacement PA cover*

Two levels of cover are available; Basic Cover and Full Cover.
*Benefits only included with Full Cover policy.

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  • Benefits from Basic Cover to Full Cover
  • Comparison Table

    Full CoverBasic Cover
    Employers Liability£10 Million£10 Million
    Public Liability£5 Million£5 Million
    Indemnity to Principal
    Redundancy & Notice Payment Cover
    Replacement Employee Cover
    Identity Theft
    Loss of Keys
    Errors and Omissions by Employee
    Theft by Employee
    Personal Accident
    Accidental Death£12,500
    Hospitalisation Benefit£75
    Emergency Medical Collection
    Accidental Death Funeral Cover
    Cost of Alterations to your home
    24 hour Employment Law and Tax Advice Line
    Compensation Costs
    Court and Tribunal Costs
    Payroll Advice
    Customer Care Helplines
    Health and Safety Manual and Advice
    Contract Disputes for Services or Goods Purchased
    Excess (that you will pay)NoneNone
    £50 off car insurance voucher**
  • For a quote call 0333 331 3781

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    Answers to the most popular questions about our Independent Living cover

    • Q1.

      Do I need Independent Living Insurance if I employ a carer?


      If your carer or personal assistant is defined as your employee (rather than being self-employed) you MUST have employer’s liability insurance. This is included with our Independent Living Insurance.

    • Q2.

      My carer is self-employed. Do I need independent Living Insurance?


      As you are not your carer’s employer, you do not need the Employers' Liability insurance included with Fish Insurance’s Independent Living policy. However, you should check that your carer has Public Liability insurance. This ensures you can make a claim if anything was to happen. We offer Public Liability insurance as part of our Carer & Personal Assistant Insurance policy.

    • Q3.

      Am I covered if my carer steals from me?


      Yes. Our full cover policy covers you against theft by your employee.

    • Q4.

      Who can I contact if I am unsure about my rights and responsibilities as an employer?


      With Fish Insurance’s full cover Independent Living Insurance policy you get 24/7 support from an employment law and health and safety helpline.

    • Q5.

      What if I have to make my employee redundant? Am I covered?


      Yes, our full cover policy includes redundancy and notice payment cover. It’s important that you seek advice from the provided 24/7 helpline before making your employee redundant.

    ^Includes a £10 introductory discount on your first year Independent Living Basic Cover Insurance only. Not applicable to any other policy. New customers only. 82% of customers achieved this discounted price in 2018. Offer ends 31/12/2020.

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