This protection is not optional and is required under the Employers Liability (Compulsory Insurance) Act of 1969 and you can be fined if you do not have an appropriate policy in place. All business owners have responsibilities under health and safety law anyway, but what the employers liability cover does is ensure that staff are properly compensated for injury or illness, even if the employer has been negligent. Insurance companies have to pay out for such claims even if the business in question did not have proper systems or policies in place, or even if they did not comply with some piece of safety legislation.
The minimum amount of cover a UK business must have in place is for five million pounds. Depending on the nature of your work and the risks involved, you may need to have more than this, but you can never have less.
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248 weeks ago