Employers Liability Insurance Product Options

Do I need employers liability insurance?

Yes, if you employ one or more people you need employers liability insurance. A person is classified as an employee if they are; PAYE employees, including directors, labour only sub contractors, hired persons, volunteers and people provided by government sponsored schemes. 

What level of employers liability insurance do I need?

Employers liability insurance is designed to pay your legal liability to employees as a result of an accident or injury caused during their course of employment. The government set a minimum requirement of £5 million but the insurance industry has adopted a standard level of insurance at £10 million. Most employers consider this sufficient to cover their liability, but you can increase this sum if required.

Can I buy a stand alone policy?

Do you cover high risk trades?

Yes, we have access to specialist insurers who provide employers liability insurance for high risk trades such as asbestos contractors, airside and rail side workers, welders, and roofers. Due to the nature of this risk quotes can often take up to 48 hours.

What happens if I don’t have insurance?

The Health & Safety executive (HSE) enforces the law on employers liability insurance. They can issue fines of up to £2,500 for any day a business does not hold suitable insurance.

How long do I need to retain my certificate of insurance?

The Health & Safety executive requires you to retain your employers liability insurance certificate for 40 years. You should also display your current certificate in all places of work.

How do I pay for my insurance?

For most policies we offer the choice of monthly or annual payment terms. Annual payments are made by cheque, debit or credit card or if you prefer to spread the cost of your insurance and pay monthly we offer a direct debit scheme. 

How do I get help?

How do I obtain a quote?