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Independent Living
Insurance

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

Who is this policy for?

People employing their own personal assistants (PAs) or carers

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

People requiring up to £5 million public liability cover

People requiring up to £10 million employment liability insurance cover

Trusted by over 80,000 happy customers

For a quote call 0333 331 3770

  • More about our
    Independent Living policy
  • Benefits from Basic Cover to Full Cover
  • Our Independent Living Insurance policy

    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, allowing you to 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.

  • 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**

Discover a range of key benefits

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

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

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

Protects against theft by your employee

Protects against theft by your employee

Protects against theft by your employee

Redundancy cover

Redundancy cover

Redundancy cover

Replacement PA cover

Replacement PA cover

Replacement PA cover

Up to £10 million employment liability insurance cover

Up to £10 million employment liability insurance cover

Up to £10 million employment liability insurance cover

Up to £5 million public liability cover

Up to £5 million public liability cover

Up to £5 million public liability cover

For a quote call 0333 331 3770

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