Menu
cgguernseyPhone 01481 728 987

What is Employers Liability Insurance?

 

Employers Liability is a type of insurance that financially protects you should your employees become ill or injured as a result of work conducted whilst under your employment. The Employers Liability Act of 1969 made Employers Liability a legal requirement (in most cases) for businesses and even made it possible for businesses to be fined up to £2,500 per day in which they operate without adequate coverage.

 

Do you need employers Liability insurance?

As insurance brokers we understand better than most that accidents do happen, no matter how careful you are, or how many preventative risk controls you have in place!

Simply put, the risk of leaving yourself financially exposed to compensation, legal fees and potential fines, far outweighs the cost of obtaining reasonable employers liability cover. As previously stated, your business could be fined up to £2,500 per day, should you not have cover.

 

What does Employers Liability Insurance cover? 

Employers Liability covers legal costs and compensation if an employee (sometimes even ex-employees’) claims against your business for injury or illness. The policy typically covers:

  • Full and part time employees
  • Temporary staff, volunteers and apprentices
  • Work experience staff
  • Self-employed contractors you hire

 

Who is exempt from EL cover?

As explained earlier, certain businesses are exempt from buying Employers Liability, for the sake of clarity, we have provided a list below:

  • Those who have no staff (apprentices & volunteers included) and work alone.
  • A limited company, with only one person employed who owns more than 50% of the share capital
  • A company with only direct family members
  • Those who are self-employed

Although not required by law, it may be worth investing in some EL cover to protect your business as you are still liable for legal costs and potential compensation, should something go wrong.

 

Covid-19 Considerations?

In the post Covid-19 trading environment consideration must be given to staff working from home.

Staff who are injured or become ill within their residence whilst using equipment provided by your business are able to make a claim against your policy. That being said, consideration does need to be given to ensure that whatever work they are carrying out does not invalidate their own home insurance policy.

If in doubt, it is worth speaking to your broker / insurer.

How can businesses reduce commercial insurance premiums by utilising risk…

Our Products

Motor Insurance
Westminster and Guernsey icons-01
Get a Quote
Close X

    Make an Enquiry

    Whatever the enquiry just let us know about it by filling out the fields below and we will be in touch.






    By clicking the submit below, you consent to allow Clegg Gifford to store and process the personal information submitted above to provide you the information requested. For more information on how we process your data, please review our privacy policy

    Discover More
    Family Fleet Insurance
    Westminster and Guernsey icons-05
    Get a Quote
    Close X

      Make an Enquiry

      Whatever the enquiry just let us know about it by filling out the fields below and we will be in touch.






      By clicking the submit below, you consent to allow Clegg Gifford to store and process the personal information submitted above to provide you the information requested. For more information on how we process your data, please review our privacy policy

      Discover More
      Public Liability Insurance
      Westminster and Guernsey icons3-03
      Get a Quote
      Close X

        Make an Enquiry

        Whatever the enquiry just let us know about it by filling out the fields below and we will be in touch.






        By clicking the submit below, you consent to allow Clegg Gifford to store and process the personal information submitted above to provide you the information requested. For more information on how we process your data, please review our privacy policy

        Discover More
        Household Insurance
        Westminster and Guernsey icons-03
        Buy Now Discover More
        Marine Insurance
        Westminster and Guernsey icons-02
        Get a Quote
        Close X

          Make an Enquiry

          Whatever the enquiry just let us know about it by filling out the fields below and we will be in touch.






          By clicking the submit below, you consent to allow Clegg Gifford to store and process the personal information submitted above to provide you the information requested. For more information on how we process your data, please review our privacy policy

          Discover More
          View All