Let us compare employers’ liability from over 5 of the leading A-rated insurers in the UK. We will tailor your business insurance quote to your specific needs whilst ensuring you meet your legal liability obligations for the employment of staff.
Employers' Liability cover protects both you and your employees from financial losses in the event of an accident that causes bodily injury, illness, property damage or even accidental death to an employee as part of their work for you.
Whether you've begun employing one or several people, you must have employers' liability cover in place as soon as you become an employer and throughout the time during which you employ any staff as an employer by law. You must be covered for at least £5 million. It can pay compensation costs and legal fees if an employee or ex-employee sues for illness or injury injured as a result of the work they do for you.
For example, a member of the office staff is badly injured when they trip over a trailing computer cable in the office and makes a compensation claim against the employer or former employer. The court can order the employer to pay compensation for injury, costs and other damages. This compensation amount and the legal fees can then be paid by the employers' liability insurance.
Whilst Employers' Liability Insurance cover can be arranged on a standalone basis, for small to medium-sized businesses it is usually more cost-effective to build into your public liability or business insurance package. The majority of Insync business insurance policies allow the addition of employers liability cover, so whether you take us Beauty Insurance, Shop Insurance, or even Medical Indemnity Insurance we can include liability for your employees at the best price.
As business insurance experts, our Employers' Liability cover can be tailored to your specific requirements and business activities. This can include:
Cover for tradesman/tradeswoman, manufacturers, mobile or homeworkers.
Cover for small and medium-sized businesses
£10,000,000 Employers Liability as standard (higher limits available on request)
Cover for legal fees and compensation costs
Partnerships, LLPs and Limited Companies
Legal fees and compensation award payments
Cover for permanent employees, subcontractors and/or temporary workers
Specialist or High-risk trade experts
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If you are running a business and employ people you will need employers' liability by law.
The Employers' Liability (compulsory insurance) Act 1969, makes EL cover a legal requirement in the UK for most businesses with employees. Any employer needs to have employers' liability to cover a minimum of £5 million. There is a £2,500 fine every day you are not properly insured. You can also be fined £1,000 if you do not display your EL certificate or refuse to make it available to inspectors when they ask.
The law is in place to ensure that your employees and their families get the financial compensation they deserve should they be injured while at work.
The term employee is widely defined as 'any person who is under a contract of service or apprenticeship' with the employer. It can include not only direct employees but also self-employed people, hired people and students on work experience.
If you are unsure, you'll likely need employers’ liability insurance if:
If you only use contractors or freelance professionals with their own insurance in place, you don't need employers’ liability. You also don't need employers' liability if your employee family member and the business is not a limited company. However, you should consider, having public liability in place, this cover will protect you against any accidents or damages involving these people as a result of your business, as regardless of whether claims come from family members or unrelated employees, compensation claims can be extremely high.
To check whether you're exempt from employers' liability insurance see the Health and Safety Executive (HSE) website.
If you are a limited company, you will need liability coverage for all your employees. However, if you are not a limited company and exclusively hire immediate family members, you may be exempt. Family members include spouses, civil partners, children, step-children, grand-children grandparents, parents, step-parents, and siblings. If you have any questions about exemptions, don't hesitate to speak to one of our qualified team about your Employers' Liability Insurance policy.
We understand that who is and who isn't an employee might not always be clear cut in a small business. While you would typically define someone as an employee if you have a contract of employment - this isn't necessarily how you would decide if you needed EL Insurance for them or not. The HSE deems someone an employee if you do any of the following:
If you have any questions regarding whether you should have Employers' Liability cover, speak to one of our team. Our Specialist Commercial Insurance brokers will be able to arrange the right level of cover for your business to ensure you are on the right side of employment law!
While Public Liability also covers you for injury, illness and property damage claims by members of the public, it will not cover you for liability claims as a result of injury or illness to your employees, which is where employers liability insurance is required. Our Insync team can arrange Public Liability as part of your wider business cover.
As every business is different so too are the various roles an employee can undertake. The price of your employers' liability insurance usually depends on several things, including the number of employees you have and the type of business you run, although adding employers liability cover to your public liability and/or professional indemnity insurance policy can be as low as £50.00 per year.
The cost of your insurance policy will also vary in line with the value of the cover you take out. Premiums are often higher in high-risk professions where your business employs people to work in more dangerous situations, such as engineers or electricians or tree surgeons.
To get an idea of how much employers' liability will be and how much coverage you need for your business, you can speak to one of our experts today. We can build you a policy just for you and compare prices from over 5 of the leading A-rated insurers in the UK.
Employers liability is just one of the main business insurances, it is often combined with other types of cover to make sure your business is fully protected. If you're at the point where your business is needing employers' liability, whether you're starting a business or expanding an existing business, you may want to extend your insurance cover to protect your livelihood and hard work up to this point.
For instance, you might be expanding and taking on premises which need employees to run the building, this not only means you'll need employers' liability but also you might want to consider contents or equipment insurance and public liability insurance.
By having these main business insurances in place, you can rest assured that should anything go wrong such as accidental damage or a break-in, alternatively if an employee or ex-employee has a claim against your business you'll be covered.
Insync Insurance Solutions Ltd
9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX
t. 01200 309516
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