Employer’s Liability Insurance Guide
With a small number of exceptions, it is a legal requirement to carry Employer’s Liability Insurance to protect people from injury or disease whilst at work. Many businesses mistakenly think that as they do not ‘employ’ anyone that they are free from any obligation.
The following aims to clarify the position.
Why Do I Need Employers’ Liability Insurance?
Under the Employers’ Liability (Compulsory Insurance) Act 1969 an employer is obligated to obtain Employers’ Liability Insurance to protect its employees should they be injured as a result of an accident at work, or become ill as a result of their work. In the event that the employer is responsible, compensation may have to be paid. Employers’ Liability Insurance ensures that the employer has adequate funds to pay this compensation.
Am I Required To Have Employers’ Liability Insurance?
There are few exemptions from the requirement to carry cover as follows:- – Most public organisations eg. Government departments. – Health service bodies eg. the National Health Service. – Some other organisations financed through public funds e g. passenger transport executives.
Family Businesses
Family businesses are also exempt. If you are closely related to your employer they are not required to carry Employers’ Liability Insurance, I e. your employer is your husband, wife, father, mother, grandfather, grandmother, stepfather, stepmother, son, daughter, grandson, granddaughter, stepson, stepdaughter, brother, sister, half-brother or half-sister. This exception does not apply if the business is incorporated as a limited company. Limited Companies
One of the most popular misconceptions in relation to Employers’ Liability Insurance is that if an incorporated or Limited Company solely has Directors and no ‘employees’ that the business has no requirement to buy the cover. This is not the case, at law, an incorporated company is separate legal entity and as such, the company acts as the Employer of the director(s) and thus creates a duty to purchase Employers’ Liability Insurance. The only exception to the above is ‘any employer which is a company that has only one employee and that employee also owns all or the absolute majority of the issue share capital in that company.’
More information can be found on the Health and Safety Executive website at www.hse.gov.uk.
Further Information & Resources you should consider:
Why choose the Property Insurance Centre
Independent advice by approachable staff online or by phone
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Why choose the Property Insurance Centre
Independent broker with staff you can speak to by phone or online
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Why choose the Property Insurance Centre
Independent broker with staff you can speak to by phone or online
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Specialists in Commercial & Residential Insurance
We have over 40 years experience as Residential and Commercial Insurance Brokers. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. We work closely with our Insurers to get the best rates and our experience and excellent relationships with them mean that we can provide cover for even the most difficult to place risks.
Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you. Whatever your requirements, we can tailor a specialist property insurance policy to suit your exact needs and provide you with a range of quotes to choose from. Established in 1976, we are not a call centre but a specialist insurance broker with a traditional office mentality, where the client comes first.
Looking for a quote now? Give us a call on 0800 085 3761 or complete one of our quote request forms.
We are also authorised and regulated by the Financial Conduct Authority and you can view our registration here.
Get In Touch:
[contact-form-7 id="12585" title="New Callback"]We accept most payment types including:
Robert Fisher is a company director of the Property Insurance Centre, who specialise in Business and Property Insurance, serving clients throughout the United Kingdom. His expertise and career in insurance spans almost twenty years.
Robert’s background is in Building Surveying, which he studied at Heriot-Watt University, where he was awarded a BSc (Hons) degree. Much of his educational background is in Building Structural Safety from an engineering perspective.
The knowledge that Robert gained at undergraduate level has lent itself well, particularly as it has enabled him to evaluate the risks associated with certain buildings. This means he knows how best to place these risks and ultimately insure the properties against such risks.
His in-depth knowledge of various methods of construction has enabled him to easily identify which insurer’s underwriting criteria would best fit each client’s needs and provide the correct levels of cover.
Additionally, Robert is responsible for training the team and ensuring that they are always kept up to date with the latest industry developments. This is an area that he is naturally drawn to because of his inquisitive mind, diligence and passion for passing on knowledge to others.
He is a member of the Chartered Insurance Institute (CII) and qualified to Level 3 with the CII.
As part of the Level 3 certification, Robert has undertaken modules in Insurance, Legal & Regulatory (IF1), Insurance Claims Handling (IF4) and Insurance Household Products (IF6).
As a condition of CII membership, Robert continues his professional development by keeping abreast of the latest industry developments.
Contents
- 1 Employer’s Liability Insurance Guide
- 2 Why Do I Need Employers’ Liability Insurance?
- 3 Am I Required To Have Employers’ Liability Insurance?
- 4
- 5 Insurance under one roof
- 6 We are specialists in many types of insurance
- 7 Family Businesses
- 8 Block of Flats
- 9 Unoccupied
- 10 Home Insurance
- 11 Residential Landlord
- 12 Land Liability
- 13 Commercial Property
- 14 Lockup Garage
- 15 Restaurant
- 16 Takeaway
- 17 Classic Car
- 18 Mixed Use
- 19 Tradesmen
- 20 Why choose the Property Insurance Centre
- 21 Independent advice by approachable staff online or by phone
- 22 Access to a wide range of insurers to source suitable insurance cover for your needs
- 23 Bespoke Insurance Schemes & Portfolio Policies available
- 24 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 25 Competitive Premiums
- 26 Cover available for the buildings while the property is being converted, renovated or extended
- 27 Over 40 years experience working with the best insurers in the UK
- 28 Excellent communication so that you understand what risks you are insured against
- 29 Why choose the Property Insurance Centre
- 30 Independent broker with staff you can speak to by phone or online
- 31 Access to a wide range of insurers to source suitable insurance cover for your needs
- 32 Bespoke Insurance Schemes & Portfolio Policies available
- 33 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 34 Competitive Premiums
- 35 Cover available for the buildings while the property is being converted, renovated or extended
- 36 Over 40 years experience working with the best insurers in the UK
- 37 Excellent communication so that you understand what risks you are insured against
- 38 Why choose the Property Insurance Centre
- 39 Independent broker with staff you can speak to by phone or online
- 40 Access to a wide range of insurers to source suitable insurance cover for your needs
- 41 Bespoke Insurance Schemes & Portfolio Policies available
- 42 We can tailor your policy to suit your exact needs to give you complete peace of mind
- 43 Competitive Premiums
- 44 Cover available for the buildings while the property is being converted, renovated or extended
- 45 Over 40 years experience working with the best insurers in the UK
- 46 Excellent communication so that you understand what risks you are insured against
- 47 Specialists in Commercial & Residential Insurance
- 48 Get In Touch:
- 49 We accept most payment types including:
- 50 UK Call Handlers & Dedicated New Business Team
- 51 Call Us on 0800 085 3761
- 52 Robert Fisher
