Employers Liability Insurance
By law, you must have employers liability insurance in place if you employ one or more people. This protects you in case a member of staff suffers an injury or illness whilst working for you and decides to make a claim against your business for compensation.
B&M Insurance have been providing cover to our customers for over 25 years. As an independent insurance broker, we have access to competitive premiums across the market and can hand pick the strongest policy from a panel of leading UK insurers. Eliminating the risks your business faces.
Insurance For Employers
As your business naturally grows and progresses, you will look to add new employees. This carries risks, if an employee is injured or falls ill as a result of negligence on your business premises, you will be held liable to pay compensation. It is also a legal requirement.
You are required to get employers liability cover as soon as you become an employer. The government state that the minimum policy must cover £5 million and come from an FCA authorised insurer. You could be fined up to £2500 per day you are not covered correctly. Call 0161 763 8222 today.
Why B&M Insurance?
- Insurance provided by leading UK insurers
- Everything is run from our offices in Bury
- Trusted by over 3000 Manchester businesses
- Tailored quotes to your specific needs
- Quote comparisons from multiple insurers
- Over 25 years providing excellent service
Do I need employers liability insurance?
Do you employ people that are not family members?
In 1968, the Employers (compulsory insurance) Liability Act was filed ensuring employers have a minimum level of protection in the event an employee makes a claim following injury, financial loss or damages sustained within your premises or resulting from working for you.
If you employ a person who is not directly related to you (family) then you are legally required to carry a certificate for EL insurance. This includes contractors, casual workers and temporary staff in addition to any full time permanent staff. This ensures you are covered if an employee becomes ill or is injured as a result of working for you.
Employers' liability insurance
If you employ staff, it is a legal requirement to carry employers' liability insurance. If a member of staff is injured or falls ill and you are found to be negligent, the cost legal proceedings could damage your business if not insured, not to mention you can also receive a fine of up to £2500 per day that you do not carry a valid certificate for employers' liability.
Reduce your risks
Workplace health and safety
Defend your business from the offset, carry on as you mean to go on and reduce the risk of claims. Employing good health and safety practices will reduce the amount of accidents and illnesses. Ensure you carry out regular risk assessments and know the regulations of your industry inside and out.
Once you have a policy, ensure that your insurance certificate is visible to employees and HSE inspectors when they visit.
Hassle Free & Tailored To You
Contact our team on 0161 763 8222 or enquire online.
Our team will will discuss your requirements.
We will provide competitive quotes tailored to you.
Choose from a wide range of options for other risks.