If you have people working for you, you need employers liability insurance. The health and safety of your employees is your responsibility so it’s important to take necessary precautions to ensure their wellbeing.
Unfortunately, however, accidents do happen. For example: a worker could be injured or become ill whilst working for you and they might claim for compensation from you.
This is why you need employers’ liability insurance.
Note: when buying your insurance policy, we ask for your Employer Reference Number (ERN) – also known as a PAYE reference number. Please ensure you have this to hand.
If you run a business and people work for you, the Employers’ Liability (Compulsory Insurance) Act 1969 states that you must have an employers liability insurance policy in force. This should cover all full-time, part-time, and temporary staff, as well as self-employed contractors, apprentices, and voluntary workers.
In some cases, businesses are exempt such as public organisations, health service bodies and family businesses. For clarification on whether the law applies to you, please consult the relevant HSE guides or speak to a qualified adviser.
You are legally required by law to have insurance that covers for at least £5 million. The consequences of not having the necessary cover in place when you employ people is anything from a fine or a ban on running a company up to something much more drastic like imprisonment.
Not having this protection could financially damage your business. The costs of legal defence and compensation against employers liability claims are a risky and unfavourable expense. Insurance provides cover for this along with improved risk management.
Be aware: inspectors can ask you to present your Employers Liability certificate. Failure or refusal to do so can result in a £1,000 fine. We recommend displaying it in an easily accessible place, e.g. framed on a wall with no obstructions.
From seemingly minor accidents to more devastating incidents, the possibility of something going wrong in the workplace that affects your workforce is unpredictable.
As good as our judgement may be, we can’t foresee every accident and problem. The best form of precautionary action, therefore, is to have adequate insurance in place.
We compare quotes from a selection of trusted UK insurers so you can see how much you could save on employers liability insurance for your business.
Simply provide us with your details using our online form and we’ll do the rest. We will instantly provide you with the best premium prices for your policy and a summary of what is covered, leaving you to make the final choice.
We also give you the opportunity to enhance your policy with additional business cover. Employers liability insurance is often taken out along with public liability insurance in addition to the following:
Tailor your policy with us to the level of cover you require and enjoy the benefits of comprehensive business cover today.