Employers’ Liability Insurance is a legal requirement for businesses in the UK with at least one employee. Under the Employers’ Liability (Compulsory Insurance) Act 1969 you are required to hold a policy with a minimum level (£5,000,000) of cover. Not holding a current Employers’ Liability policy that is compliant with current UK law could lead to a significant fine across the time that there was no policy is not in place. Certain organisations are exempt from this.
As an employer, you are responsible for the health and safety of your employees while they are at work. If an employee suffers an injury or falls ill, you may be held liable. An example could be an employee falling off a ladder or slipping on a floor, or an employee contracting a disease because of something you were unaware of.
If you have any further questions regarding Employers Liability cover, or you would like question the cover you currently have in place, please get in contact with us. We have also put together a list of our most frequently asked questions (and answers to these) from our clients below and hope they will be of some help to you.