Employers Liability Insurance

Employers liability insurance is Legally required

Employers' Liability Insurance is a legal requirement - it is not an option.

Do I need Employers' Liability Insurance?

Generally speaking, all businesses must by law have employers' liability cover.
Exemptions include:

• Family businesses (unless incorporated as a limited company).
• Companies employing only their owner where he or she also owns 50% or more of the issued share capital in the company.

Protection for employees

The law was created to protect the interests of employees who are victims of accidents or incidents at work which could lead to long-term diseases or illnesses.

Insurers are not allowed to include conditions within policies which would impose unreasonable conditions as to liability, but the insured must take reasonable precautions to comply with current legislation and regulations.

What happens if I don't have employers' liability insurance?

The Health and Safety Executive (HSE) is responsible for policing the law on employers' liability insurance.

HSE inspectors can demand proof that you have at least £5 million employers' liability insurance with a registered insurer.

They will want to see your certificate of insurance and corresponding paperwork. You can be fined up to £2500 for each day on which you don't have insurance.

You can also be fined up to £1,000 for failing to display the certificate of insurance or refusing to make it available to Health and Safety Executive inspectors.