Employers Liability Insurance is a legal requirement for your business when employing staff. In short, this Policy can protect employers and employees. For instance, if an employee gets injured at work or becomes ill as a result of working. This Policy would cover your business against possible loss.
This type of policy could also protect the employer, against former employees that have become ill, from work they carried out in your workplace. As long as they can be prove it was a result of working for you.
Health and safety states it is your duty as an employer to protect the welfare of your employees.
If you are an employer of staff whether this be just one person or more, legally you must have this insurance.
Reasons you don’t need this policy?
- If you do not employee staff.
- Employees are family members.
- Employees are abroad. (Check other local government guidelines)
People you may need to cover?
- A Temporary Employee. In brief, one that works at a business for a short time scale.
- A Part-time worker. Someone who works a few hour a week for the business.
- A student that is working for you. Whether they are also studying or just on work experience.
- Volunteers that choose to for work you without pay. However, they still need cover.
However contractors and subcontractors slightly different rules apply:
- Some Contractors you may have to cover with this policy, but this varies between cases so check with the insurance provider.
- Some Subcontractors will work with equipment that was provided by you. Therefore, you will not have to cover them. However, if they use their own equipment, generally, they will not have to be covered by you. But check with the insurance provided first.