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if you go into full time residential or nursing care, pass away or if you are told that funds have been reduced or withdrawn.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.
- 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.
- 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.
- 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)
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.
Redundancy & Notice
Covers the costs of statutory redundancy and notice to employees if the person receiving care goes into full time residential care, or passes away and no longer needs to employ a carer.
Additional Carer Costs
Help towards the costs you might have if you lose the services of an employee on a temporary basis and/or need to replace an employee due to summarily dismissal or dispute.
*Limitations and exclusions apply, please refer to the Insurance Product Information Document (IPID) for more details.
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 Healthcare Protect Insurance
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QWhat happens if my carer is accidentally injured while carrying out their support duties?
AOur policy will pay towards the additional costs for temporarily replacing your employee. For example, any increased salary costs for an agency carer versus your full-time employee.
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QWhat if I have to make my employee redundant? Am I covered?
AOur policy covers the costs of statutory redundancy & notice to employees if Local Authority funding is reduced/withdrawn, or the person receiving care goes into full time residential care or passes away.
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QWho can I contact if I am unsure about my rights and responsibilities as an employer?
AWith Fish Insurance’s Healthcare Protect policy, you get 24/7 support from an employment law and health and safety helpline.
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QDo I need Healthcare 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 employers’ liability insurance. This is included with our Carer Protect Insurance.
