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What is Employers’ Liability Insurance?

Employers’ Liability Insurance is a type of insurance to protect Employers in circumstances such as:

  • Employees who become sick as a direct result of their employment
  • Employees who are injured as a direct result of their employment and/or working condition.

Do I have to take out Employer’s Liability Insurance?

Since the Employers’ Liability (Compulsory Insurance) Act 1969 was passed it has been a legal obligation for an employer to take out Employers’ Liability Insurance as soon as they become registered with HM Revenue and Customs as an employer.

Details of the insurance should be posted in the work place so that all staff members can see it and must come from an authorised insurer.

If Employers’ Liability Insurance is not taken out by an employer then they can be fined up to £2500.00 a day by HM Revenue and Customs.

How much cover should the policy provide?

An employer should have at least £5 million cover provided by their Employer’s Liability Insurance, although this may be split across multiple policies. However as this includes costs, it is sometimes advisable for an employer to purchase cover that covers a larger amount.

What about my home insurance?

In some cases, where an employer is employing someone to work in their own home, they may already be covered by their home insurance. As this varies from case to case we recommend that you check with your home insurance provider in order to find out.

Can you setup a insurance policy for me?

Contact DD Payroll services and see how we can help you find the right insurance policy for you today. To find out more please contact us.

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