Employers Liability Insurance is a statutory requirement. If you run a business where people are working for you (even on a part-time or voluntary basis), there will be a certificate issued by the insurance company that must be retained for a period of 40 years. The current certificate must be displayed where your employees can see it.

The penalties for not holding an Employers Liability certificate can be severe with fines up to £2,500 per day.

The statutory requirement for Employers Liability is £5,000,000, however, cover is usually a minimum £10,000,000 and will protect the company or employers against claims that maybe made by an employee of a business. Claims can range from mental anguish to industrial injury and many more exposures besides.

Employers Liability Insurance is essential to most businesses and employers for their protection and to provide the employer with legal defence costs and damage awards, should an employee get injured or sustain losses because of an employers fault.

 

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