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If you have employees, you are required to have Employers Liability Insurance. If your employee is injured at work, or becomes ill as a result of their employment, this covers the cost of compensation and legal fees. Employees injured due to your negligence can seek compensation even if your business goes into liquidation or receivership. By law, you need at least £5 million in cover but, in practice, most policies offer at least £10 million. ‡
Your policy should cover all conventional employees, contract, casual and seasonal staff as well as temporary staff, including students or others on work placements. If your organisation involves volunteers, advisers, referees or marshals you should tell your insurer. The Health and Safety Executive is responsible for enforcing the law on Employers Liability Insurance. You could be fined up to £2,500 for each day that you are without cover. ‡
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Running a business is risky. We both admire and support the people who launch or run businesses. Having invested your own money, time and energy, it can be devastating if things go wrong, particularly if it is not of your doing. We can help you manage your risk.