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Employers liability insuranceTaking out employers liability insurance is now a lawful requirement. It means that all business can meet the costs involved when employees are injured or made ill at work. The minimum requirement is £5,000,000 but most insurers will automatically give you £10,000,000 as standard. The law states that cover must also ensure employees are covered anywhere within the UK. Without having employers liability insurance in place you could be fined upto £2,500 for every day that you do not have this cover in force. You must also keep your insurance documents for upto 40 years after they expire. Without keeping these you could risk receiving a fine of up to £1,000. This information was correct at the time of writing but we suggest checking with the Health & Safety Executive (HSE) website The HSE enforce the compulsory employers liability law and so are your best point of contact with regards to any query on this issue. We, as an insurance broker, ensure that the liability insurance policies we provide adhere to the current lawful requirements. This includes ensuring the companies we deal with are authorised and regulated. |