Employers Liability Insurance

The Employers’ Liability (Compulsory Insurance) Act 1969 states that all employers who have employees working in the UK must have a minimum of £5,000,000 Employers Liability cover. This is to ensure that there are always funds available, whether the employer can afford it or not, to compensate an employee for a genuine work related claim.

Employers Liability Insurance protects the Employer against compensation claims by employees for work related illness or injury where the employer is deemed to be responsible.

Claims in this area can be made many years into the future, for example, asbestos related illnesses that relate to an employee’s time in a workplace many years ago. For this reason, certificates of insurance must be retained by law, for a period of 40 years.

As a Freelance Contractor you should ensure that; if you are working as an employee of an Agency or an Umbrella Company that they have the appropriate level of Employers Liability cover for your specific occupation, as some policies exclude certain professions. There is no legal requirement for a Limited Company which is wholly owned and operated by a single person to hold Employers Liability Insurance, unless company employs a worker in any guise to carry out services for the company.

You can get expert advice on all elements of Employers Liability Insurance by contacting (JavaScript must be enabled to view this email address)

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