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

2. THE
EVOLUTION OF
FISH
INSURANCE

3. 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

4. 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

5. 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?

6. 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

7. 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

8. 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

9. 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

10. 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

11. 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

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

13. 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: M:
John Traynor
Business Partnership Executive E: M:
GET
IN TOUCH

14. THANK YOU