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:

  • Who has National Insurance contributions and income tax deducted from their salary

  • 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.