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Employers' Liability Insurance - statutory requirement cover for businesses in UK

Employers' Liability Insurance

Employers liability insurance is a statutory requirement. If you run a business where people are working for you.

Even on a part-time or voluntary basis you are required by law to have a current employers liability certificate which is issued to you by the insurance company / broker. This certificate must be displayed where your employees can see it.

The penalties for not holding an Employers Liability certificate can be severe with fines up to £2,500 per day.

Required limits

The statutory requirement for Employers Liability is £5,000,000, however, cover is usually a minimum £10,000,000 and will protect the company or employers against claims that maybe made by an employee of a business. Claims can range from mental anguish to industrial injury and many more exposures besides.

Employers liability insurance is essential to most businesses and employers for their protection and to provide the employer with legal defence costs and damage awards, should an employee get injured or sustain losses where an employer is at fault.

Most employers are legally obliged to take out employers' liability insurance, successful claims cover compensation costs and legal fees for when an employee sues for illness or injury, this includes ex-employees.

It is important to know that employers' liability insurance cannot be purchased as a standalone policy. This means it needs to be bought in conjunction with public liability insurance or added onto a combined policy of Professional Indemnity and Public Liability.

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