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Coronavirus - Independent Living Policyholder FAQs
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Carer & Employer Insurance

We offer cover for people who employ carers and cover for people working as carers.


Do you employ a carer?

This insurance policy is suitable for people who employ carers or personal assistants.

Employers’ liability insurance provides cover in the event that your carer is injured whilst carrying out support duties for you. It doesn’t cover injuries where you’re not judged to be at fault.

Public liability insurance provides cover for bodily injury to other people or damage to property belonging to others. It does not cover personal property damage or bodily injury to you.



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Are you a carer?

This insurance policy is suitable for people working as carers or personal assistants.

Public liability insurance provides cover for bodily injury to other people or damage to property belonging to others. It does not cover personal property damage or bodily injury to you.

Personal accident insurance provides cover if you suffer accidental injury whilst at work. It doesn’t cover any pre-existing medical conditions, diseases or events from natural causes.



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Trusted with insuring over 80,000 policies

  • Why choose
    Fish Insurance
  • Why you should choose Fish Insurance

    For forty years, Fish Insurance has been providing specialist insurance in the UK , to those with pre-existing medical conditions, mobility issues and disabilities.  Today we’re proud to be trusted with looking after over 80,000 insurance policies, making us one of the UK’s biggest disability and independent living insurance providers.

    Every policy we offer has been specifically designed to meet the unique and specific requirements of disabled people whether they are looking to insure a manual wheelchair, powered wheelchair, mobility scooter, in-home products such as stair lifts and hoists or cover for a wheelchair accessible vehicle. We also provide liability insurance to protect people who employ their own personal assistants in the home.

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What our insurance means to you

If you’re an employer

If you’re employing a carer or personal assistant through direct payments, individual budgets or personal funds, it is a legal requirement for you to have Employers’ Liability Insurance in place.

This protects you in case the person that you’ve employed is injured or ill while they are working for you and they seek compensation against you.

If you’re a carer

Our Carer and Personal Assistant (PA) Insurance helps protect self-employed carers in areas such as Public Liability Insurance and personal accident cover.

This includes, but is not limited to: legal costs and expenses; accidental bodily injury.

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All the latest from the Fish Hub

Head over to the hub To find out more

Carer employers: Understanding the law on annual leave

Employing a Carer or Personal Assistant throughout the Coronavirus pandemic and several stages of lockdown restrictions might mean that you had to put your employee on furlough. Even if your Carer has continued to work for you throughout the pandemic, the things they could do on their time off will have been really restricted. Both […]

The Unsung Heroes campaign – Something positive to come from the pandemic

There’s no doubt about it: 2020 was one of the worst years in recent times, and the coronavirus pandemic has hung over the last few months like a dark cloud. But there were some real positives to come out of the year, such as the “Clap for Carers” movement designed to encourage Brits out on […]

Your Guide to Direct Payments

Direct payments are given to people who are eligible to receive help with the costs of their own care and support. Take a look at our handy guide for more information.

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