Basic Protect from Fish Insurance
Specialist insurance for people who employ personal assistants (PAs) or carers to assist them to live in their own homes.
Our cover provides protection in the event of a claim resulting from injuries and damage to people and property.
Our Basic Protect policy is available for just £67 a year**
This policy does not provide cover for carer redundancy or access to employment law and health & safety advice, if you require this please click here.
Key Benefits at a glance*
- 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 £5m 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.
*Limitations and exclusions apply, please refer to the Insurance Product Information Document (IPID) for more details.
Why choose this cover:
Employers Liability
Cover for legal claims made against you by people you employ.
Public Liability
Cover for legal claims made against you or your employees by other people.
See what our customers are saying about Fish’s service
And we don’t stop there…
We’ve answered some of the questions you may have about our Basic Protect Insurance
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QWhat if I have to make my employee redundant? Am I covered?
AOur Basic Protect policy does not include redundancy cover, if you do require this, please click here
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QMy carer is self-employed. Do I need Basic Protect Insurance?
AAs you are not your carer’s employer, you do not need the Employers’ Liability insurance included with Fish Insurance’s Basic Protect 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.
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QDo I need Basic Protect Insurance if I employ a carer?
AIf 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 Basic Protect Insurance.
