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.