Employers’ Liability Insurance

Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible.

The Employers’ Liability (EL) (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims.

You may not need EL insurance if you only employ a family member or someone who is based abroad.

You can be fined £2,500 every day you are not properly insured. 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.

See: Employers’ liability insurance – GOV.UK (www.gov.uk)