Employers Liability insurance
Employers Liability insurance covers you as an employer against claims from employees for injury caused during the course of their work.
It is a legal requirement if your business employs one or more people, each day without EL insurance cover can result in fines of up to £2,500. You can also be fined £1,000 if you do not display your EL certificate or refuse to make it available to inspectors when they ask for it.
What is the difference between Employers Liability and Public Liability?
They can both help you with defence costs and compensation payment for a claim for injury. The difference is that Public Liability covers claims made by a third party member of the general public, such as a customer, client, supplier, delivery driver or passerby. Whereas Employers Liability covers claims made against you by your employee.
Some types of sub-contractors count as employees as do part-timers and temporary workers.
By law, an employer must have Employers Liability insurance and be covered for at least £5,000,000. At Agency Insure we offer standard cover of £10,000,000.