Employers Liability protects your business in the event that a claim is made for an injury suffered by an employee while carrying out their job.
Who Needs It?
In short anyone with employees, these need not be paid workers with a contract of employment, but can also include a wide range of “deemed” employees such as:
- All full and part time employees.
- Temporary workers.
- Some Agency workers. (check the contract!)
- Contractors / Freelancers unless they qualify as bona fide contractors/sub-contractors.
- Work experience students
The Law says that if you have any employees at all then you must have employers liability cover at all times and it is an offence to operate without it.
The only firms that are exempt are those with no employees for example companies with one director which only exist to contract the services of that director to clients and those firms where the only employees are close family members.
The fines for failing to have employers liability cover can be hefty, up to £2500 per day that you are without it and the Health and Safety Executive have become very serious about enforcement of the regulations in recent years.
By contrast we can add employers liability to your professional indemnity policy from only £40 per year, so why take the chance of a fine.
Our stand alone office insurance policies include employers liability cover as standard.
These policies are designed for non-manual occupations (professional and clerical, managerial and supervisory) if you need cover for manual trades such as construction, engineering, technichians, manufacturing and distribution, we can offer a full range of commercial combined and contractors policies tailored to your needs.
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