Employers’ Liability Insurance
“Cost of compensating”
If you are an employer, you are legally obliged to have Employers’ Liability (EL) Insurance. You can be fined up to £2,500 for every day you don’t have appropriate cover.
EL insurance provides for the cost of compensating employees who are injured or become ill as a result of their work. It will also cover any associated legal fees.
The policy applies to:
Claims brought by all permanent employees
Claims brought by contract, casual and seasonal employees
Claims brought by labour-only subcontractors.
Your policy should also cover claims brought by temporary staff, including students and people on work placements, volunteers and advisers.
An employee is someone:
Whose location, hours and conditions of their work are controlled by their employer
Who cannot be replaced by their employer if they are unable to work.
DR&P can advise you on any aspect of EL insurance. Call us on 01704 508420 where our expert team will be happy to discuss it with you in more detail.