Employers’ Liability Insurance covers claims brought against you by:
Contract, Casual & Seasonal Employees
Labour Only Sub Contractors
Volunteers, Referees, Marshalls & Advisors
Students & People on Work Placements
You are obliged to have £5 million cover for compensation but most insurers offer £10 million cover as standard.
The cost of your premium is based on the following risk factors:
The nature of your business
The number of employees you have
Your previous claims history
You no longer need to keep a copy of your Employers Liability certificate for 40 years but the certificate must be made available to employees.