Employers Liability Insurance covers the costs of legal fees and compensation for employees who are injured or made ill at work through the fault of the employer. Additionally, it also means that compensation can still be sought by the employee even if the business goes bust.

Is Employers Liability Insurance a Legal Requirement?

Yes, Employers Liability Insurance is a legal requirement. The Health and Safety Executive is responsible for enforcing the law on employers liability insurance and can fine you up to £ 2,500 for any day that you do not have the appropriate insurance.

What Defines an Employee?

Generally someone is your employee if:

• you deduct national insurance and income tax from any salary you pay them
• you control when, where and how they work
• they cannot employ a substitute when they are unable to do the work

Employer Liability Insurance: Useful Information

When you take out an Employers Liability Insurance policy, you will receive an employers liability certificate of insurance. You must display a copy of this where employees can easily read it and keep copies of it for at least 40 years. You need to make these certificates available upon request to health and safety inspectors or risk a fine of £1,000.

M & DH Insurance Services Ltd  are a business insurance and commercial insurance broker. We specialise in obtaining Employers Liability Insurance quotes from a wide range of different insurers to ensure that we get the best possible insurance cover at the lowest price.

To obtain an Employer Liability Insurance quote or to seek advice from one of our insurance advisers about employers liability insurance please call us and we will be happy to assist you.