Employers' Liability Insurance

You have responsibility for the health and safety of your Personal Assistants while they are at work. Your employees may be injured at work or become ill as a result of working for you. They may try to claim compensation from you if they believe you are responsible.

As an employer you have a legal obligation to make sure that you have at least a minimum level of insurance cover against any claims resulting from being employed by you.

Employers' Liability Insurance will enable you to meet the cost of compensation for your employees' injuries or illnesses caused by working for you whether they are caused at your home or elsewhere.

Any injuries or illnesses caused by motor accidents which occur while your employees are working for you, may be covered separately by your motor insurance.

Public Liability Insurance

Public Liability Insurance covers anyone who is in (or near) your home and is injured or killed. It is often included in building and/or contents insurance policies but you should always check to see if you are covered.

Where can I get insurance cover?

Fish Insurance was the first  company to offer insurance for disabled people in 1975 and offers a wide range of specialist disability policies including:

• Independent Living Insurance policies for Direct Payment and ILF users


• policies providing Insurance for Carers and Personal Assistants


• Motor Insurance for both Disabled People and Carers & Personal Assistants.


• Insurance for Manual/Power Wheelchairs and Mobility Scooters


• In-Home Product Insurance + Breakdown for disability equipment.

Their address is:

Fish Insurance
2-4 Riversway Business Village
Navigation Way
Preston PR2 2YP
Tel. 017 7272 4442
Fax. 017 7273 3773

e-mail:
General Enquiries: admin@fishinsurance.co.uk
Claims: claims@fishinsurance.co.uk

To go to their website, click the Fish logo below.

Premier Care is a more recent entry into the disability market and offers a similar range of policies.

Their address is:

Mark Bates Ltd T/A Premier Care
Premier House
Harlaxton Road
Grantham
Lincs. NG31 7JX
Tel: 01476 591104