This insurance could be a legal requirement if you employ staff.
Employers’ Liability Insurance is normally a legal requirement if you ‘employ’ anybody. (We use the term normally because there are a few exceptions). It’s worth noting that the term employee also includes labour-only sub-contractors, office holders and can include volunteers. If required, it is a CRIMINAL offence not to hold suitable Employers’ Liability Insurance. The maximum fine is up to £2,500 per day you don’t have cover in place.
Employers’ Liability Insurance covers the ‘employer’ in the event they are found to be responsible for an employees’ injury or illness. It does NOT cover the employee. So, if you are an employee or subbie, we recommend you consider Personal Injury Cover, to help you pay the bills, should you suffer an accident or illness.
Having the correct insurance for you and your business is crucial. Get in touch so our experienced advisers can help you to get the right cover for your business.