FISH INSURANCE AN INTRODUCTION TO Insurance products for those with pre-existing medical conditions, mobility issues and disabilities www.fishinsurance.co.uk

THE EVOLUTION OF FISH INSURANCE

ISSUES FACED BY DIRECT PAYMENT EMPLOYERS Employment Responsibilities Insurance Recruitment Payroll Tax and national Insurance Contracts Issues during employment Redundancy ISSUES FACED BY DIRECT PAYMENT EMPLOYERS

Independent Living Insurance OUR PRODUCTS We offer a specialist insurance policy with two levels of cover to protect those who employ Personal Assistants (PAs) or Carers. Up to £10 million employment liability insurance cover Up to £5 million public liability cover 24-hour support for employment law and health and safety services Redundancy cover Replacement PA cover Protects against theft by your employee OUR PRODUCTS

WHAT IS EMPLOYERS’ LIABILITY INSURANCE? Employers’ Liability (Compulsory Insurance) Act 1969 If an employee has an accident at work or becomes ill as a result of their work they may be liable to claim compensation Requires the employer to have a minimum of £5 million cover An employer must make the certificate of insurance available so their employees have easy access to it If an employer fails to have Employers Liability insurance in place they can be fined up to £2,500 for each day they are without cover WHAT IS EMPLOYERS’ LIABILITY INSURANCE?

EMPLOYERS’ LIABILITY CLAIM EXAMPLES Claim Payment PA was injured under wheel of car £50,450.00 PA injured her back lifting insured £56,140.00 PA slipped on ice and damaged the tendons in her knee £80,000.00 PA fell whilst stripping wallpaper and broke his heel £150,000.00 Hoist slipped. PA injured her wrist trying to stop insured falling £170,000.00 Insured fell on PA and broke her leg £200,000.00 EMPLOYERS’ LIABILITY CLAIM EXAMPLES IF INSURANCE IS NOT IN PLACE THE EMPLOYER WOULD BE LIABLE

EMPLOYMENT LAW ADVICE LINE Provided by Peninsula 24 hour Telephone Service Indemnified Advice Court and Tribunal Costs Compensation Costs Payroll Advice Health & Safety Advice EMPLOYMENT LAW ADVICE LINE

WHY USE THE EMPLOYMENT LAW ADVICE LINE Contracts Conduct, capability and disciplinary hearings Holidays National Minimum Wage Working Time Regulations Grievances Family Friendly legislation Absence/timekeeping WHY USE THE EMPLOYMENT LAW ADVICE LINE

If there are insufficient funds available to make the payment in the following circumstances:- A local authority reduces or withdraws funding unless a unilateral withdrawal The employer goes into full time residential care The individual receiving care passes away The policy covers up to £1,500 per employee or £3,000 if more than one employee We will also cover up to £450, if you are required to make a payment for statutory notice period subject to a redundancy claim being made under the policy Cover is only provided if you seek advise from Peninsula REDUNDANCY COVER

Peace of mind – all service users covered Benefits of a block policy BLOCK INSURANCE Peace of mind – all service users covered Reduced admin One renewal date & volume discount

OUR SERVICE What Fish can offer: Support, training & advice available Highly skilled & trained staff In-house claims team Support, training & advice available 24/7 Employment Law advisory line

Fish Pricing Standard Pricing £135* *Please contact Fish to discuss both ‘pricing flexibility’ and better ways of working together

If you would like to arrange training, have any questions, or wish to discuss anything in more details you can contact us: Becky Rourke Business Partnership Manager E: becky.Rourke@fishinsurance.co.uk M: 07867 467 773 John Traynor Business Partnership Executive E: john.traynor@fishinsurance.co.uk M: 07867 467 775 GET IN TOUCH

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