Whatever your business, if you employ people, you are responsible for their health and safety during work time. In the majority of cases, if you have people working for you, you are required to have employers’ liability insurance by law.
Employers’ liability insurance protects your business against the cost of compensating an employee (plus any associated legal fees) if they are injured or become ill as a result of their work.
- Full-time and part-time employees
- Self-employed contractors you hire
- Temporary staff, apprentices and volunteers
Without employers liability cover in place, you could face a £2,500 fine for every day you’re not properly insured.
Do You Need Employers Liability Insurance?
You are responsible for the health and safety of your employees at work. If they are injured at work or they, or former employees, become ill as a result of their work while in your employment, they might try to claim compensation from you if they believe you are responsible.
The Employers’ Liability (Compulsory Insurance) Act 1969 ensures that you have insurance cover against any such claims to enable you to meet the cost of compensation for your their injuries or illness, whether they are caused on site or off site.
Examples of what Employers Liability Insurance can cover:
- Legal costs and compensation for illness and injury claims made by employees.
- Legal costs and expenses for defending health and safety law prosecutions.
- Claims made by workers employed through government schemes and those on work experience.
- Compensation per day if you or your employees need to attend court.
Why not contact us today to find out your options when it comes to employers’ liability insurance.