Employers’ Liability

If you employ people to work on your behalf, Employers’ Liability Insurance is a legal requirement. It covers your damages and legal defence costs if they are injured in the course of their work. You can get an indicative premium in just 30 seconds and take out cover in as little as 5 minutes.

Is Employer’s Liability Insurance Required?

You need to effect this cover unless you are exempt from the Employers’ Liability (Compulsory Insurance) Act.

One such exemption, is a company employing only their owner where that employee also owns 50% or more of the company’s issued share capital.

Further information may be found in the Health and Safety Executive guide here.

Independent Professionals who employ someone to carry out work on their behalf, or if they themselves are an employee of a limited company, there is a statutory legal requirement to purchase Employers Liability Insurance.

Employers Liability Insurance not only provides cover for compensation payments to Employees injured during the course of their employment as a result of the company’s negligence, but also for defence costs when it’s felt the company was not at fault.

Most Independent Professionals who enter into a contract for service with a customer have a substitute clause contained within their contract. Consequently, if there is any possibility of an employee being recruited to perform substitute work, then it makes sense to have the necessary cover in place beforehand, if only to protect yourself for this possibility, as company’s who operate without cover can face fines of up to £2,500 per day.

Premiums start from as little as £50.00 with cover provided by Axa Insurance UK plc, so you can rest assured of a policy suitable to meet the demands and needs of today’s independent professionals, from a financially secure insurance company, with an excellent reputation for customer service and for paying claims.

Get a Quote Today, it should only take 30 seconds to get an indication of premium and less than 5 minutes to arrange cover if you are happy with the price. You can even pay by interest free instalments.

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