Employer's Liability Insurance

What is Employer’s Liability insurance?

This protects your business against claims for the injury or illness of your employees during the course of their work for your business.

What types of business need Employer’s Liability insurance?

 

Any business in the UK which employs people in almost any capacity and whether on a temporary basis or not. There are few exceptions, bone fide subcontractors being one. For details see https://www.hse.gov.uk/pubns/hse40.pdf  but if you are unsure about the status of a worker it is important to obtain legal advice.

 

Is Employer’s Liability insurance compulsory?

 

Yes,  Employer’s Liability insurance is a legal requirement under the Employers’ Liability Act 1969. If you employ even one member of staff on any basis, including volunteers, and if you don’t have Employer’s Liability Insurance, you could be fined £2500 for every day you are uninsured. If you do not display the certificate of insurance or refuse to make it available to HSE inspectors when they ask, you can be fined up to £1000

 

How much cover do I need?

 

The law states that a minimum limit amount of £5 million is required but most insurers will provide a £10 million limit as standard.

 

Where can I get an Employer's Liability quote?

Schedule a call with a broker and  we will talk you through the options.