Employers Liability Insurance

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Why Do I Need Employers Liability Insurance?

As an employer, you are responsible for the health and safety of your employees while they are at work. In the event your employees are injured or become ill at work, they may try to claim compensation from you if they believe you are responsible.

The Employers' Liability (Compulsory Insurance) Act 1969 (ELCA) makes it compulsory for employers to have employers liability insurance.

It is compulsory to have at least £5m of Employers Liability Insurance. (Many insurers offer £10m cover as standard)

Do I Need To Advise My Employees?

You must display a copy of your Employers' Liability Certificate where all of your employees can see it, and it must be available to be checked by the Health and Safety Executive Inspectors (or face a fine of up to £1000).

You must retain copies of your Employers' Liability Certificates for at least 40 years (for all policies in force since 1998 or later). This is for your own protection, as some diseases etc may occur many years after they are caused.

What Am I Covered For?

The limit of liability must be for a minimum of £5m.

The cover provides compensation for the employee, as well as all legal costs involved following a claim.

How Can I Get Employers Liability Insurance?

Employers Liability Insurance cover is available under many different contracts, such as:

  • Public and Employers Liability
  • Shop Insurance
  • Office Insurance
  • Surgeries Insurance
  • Bars and Restaurant Insurance
  • Contractors All Risks Insurance
  • And many more ...

We will discuss your specific requirements, to assess the most suitable package available to you.

Please give us a call, or request a call back, and we can discuss your requirements, and as always:

If we can't give you the best price, we will always give the best advice.

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