Cheap & Easy Contractor Insurance
Employers’ Liability Insurance
Contractor Insurance Brokers provides Employers’ Liability Insurance, providing essential coverage for compensating employees who sustain workplace injuries or become ill due to their job-related activities.
Who does Employers’ Liability Insurance cover?
Your policy covers claims brought by the following individuals:
Permanent employees
Contract, casual, and seasonal employees
Labour-only subcontractors (An employee is typically defined as someone with National Insurance contributions and income tax deductions from their salary, whose working conditions are controlled by their employer, and who cannot be readily replaced if unable to work)
Temporary staff, including students and individuals on work placements (For more information, consult the ABI's guide to insurance and work placements)
Volunteers, advisers, referees, and marshals (For information regarding insurance and volunteers, refer to voluntary organisations. It's essential to confirm with your insurer that your employers' liability policy covers all those engaged in your business operations)
Is Employers’ Liability Insurance Mandatory?
If you are limited company with employees, it is a legal obligation to possess employers’ liability insurance. Failing to do so can result in substantial fines, potentially reaching up to £2,500 per day without appropriate insurance.
Employers’ liability insurance covers the expenses associated with compensation and any legal fees related to workplace injuries. The specifics of your coverage may vary, so it’s advisable to consult with your insurer for a detailed understanding of your policy.
Exemptions for Certain Businesses
Some businesses are exempt from the requirement to have employers’ liability insurance, including:
- Companies with no employees
- Family businesses that exclusively employ family members
To ascertain if your business qualifies for an exemption from employers’ liability insurance, refer to the Health and Safety Executive (HSE) website for guidance.
Purchasing Employers’ Liability Insurance
You can acquire employers’ liability insurance directly from an insurer or through a specialised broker affiliated with the British Insurance Brokers’ Association (BIBA). The legally required minimum level of cover is £5 million, although most policies provide coverage of at least £10 million.
The cost of your premium is influenced by various factors, including:
- The nature of your business
- The number of individuals you employ
- Your past insurance claims history
Employee Claims for Injuries or Illness
If you are an employee and have sustained a workplace injury or fallen ill due to your job, it is advisable to contact your employer. They will then liaise with their insurer to initiate a claim.
In cases where the company you worked for has ceased operations, you may still be able to file a compensation claim directly through the company’s insurer. The Employers’ Liability Tracing Office (ELTO) can help you locate your former employer’s insurance provider.
For more information regarding mesothelioma and making claims against employers for asbestos exposure, please refer to resources on mesothelioma and asbestos.
Purchasing Employers Liability Insurance
You can acquire employers liability insurance directly from our online shop, quotes are instantly available online.
The cost of your premium is determined by factors such as:
- The nature of your business
- The number of people you employ
- Your insurance claims history
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Contractor Insurance Brokers is a trading style of Roots Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 930814. Roots Insurance Brokers Limited is registered in England & Wales, number 12676044. Registered office: Jason Works, Clarence Street, Loughborough, Leicestershire, LE11 1DX.
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