As an employer, you are responsible for the health and safety of your employees while they are at work.
If you employ one or more people, employers’ liability insurance is a legal requirement for your business. Save time and money by adding it to your single business policy – it slots right in alongside your public liability insurance, plus any additional covers you may need.
If you have employees, contractors, casual workers or temporary staff, you are required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.
Good health and safety practices are a great first defence, reducing the chance of accidents and illness. So make sure you know the regulations for your industry and carry out regular risk assessments with your employees to help reduce your risk.
- If you employ staff and don’t take out employers’ liability insurance, you could be asked to pay a £2,500 fine for each day you do not have it
- Make sure you tell us the correct number of clerical and manual staff, if you employ both
- Immediate members of your family who work for you do not count as employees for employers’ liability insurance, however casual workers, part-time workers and temporary staff do count
Remember, some illnesses take time to manifest and show symptoms. So it’s possible that a former employee may claim compensation, perhaps a long time after they’ve stopped working for you. Employers’ liability insurance can cover this, but you must keep on file all documentation related to your insurance, even if it’s expired.