By taking out employer’s liability insurance, you are protecting you and your business against the cost of compensation if one of your employees becomes ill or is injured while working for you. In the UK, employer’s liability insurance is a legal requirement for businesses that employ one or more people. Unless you’re a one-man operation, employers’ liability insurance is something that nearly every business owner needs. This insurance cover is essential in case compensation becomes payable to an employee if they’re injured or become ill as a result of the work that they do for you.
Employer’s liability insurance not only covers compensation if an employee is injured or becomes ill as a result of their profession but also legal costs incurred while defending the claim. You can be fined up to £2,500 for every day you do not have employers’ liability insurance and your policy must have a cover level of at least £5 million. As per the current Government guidelines, you can be fined £1,000 if you do not display your Employers’ liability certificate or refuse to make it available to inspectors when it is sought for.
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Yes. Businesses that employ one person or more are required to have employers’ liability insurance under UK law.
Under UK law, the minimum limit of indemnity for employers’ liability insurance is £5m.
When you obtain employers’ liability insurance you will receive a certificate stating your cover level. This must be displayed so your employees can see it.
Any business can have public liability insurance however the law does not require all types of businesses to have it. Organisations such as public organisations, government bodies and family businesses who only employ family members are exempt from the requirement under UK law.
No. Under UK law you are not required to keep your certificate if it is out of date however you must clearly display your current one.
Failure to show your certificate to a visiting HES inspector can result in a £1,000 fine.
If you are a business that is legally required to have employers’ liability insurance and do not have it you may be fined up to £2,500 for every uninsured day.
If your employees are based abroad then the you are exempt from having to have employers’ liability insurance under UK law. However, you must adhere to the law of the country that your employees are based in.