Employer’s liability insurance (EL) is a legal requirement if you have employees.
Who exactly are “employees” is a grey and ever-changing topic.
Employer’s Liability will protect your business if an employee or ex-employee sues you for an illness or injury they have suffered as a result of their employment with you.
With occupational related diseases claims can be made many years after the employee left the business.
In the UK, it is compulsory for most employers to hold at least £5 million cover of employer’s liability insurance and you can incur fines of up to £2500 a day if you fail to do so. It is also a legal requirement for the insurance certificate to be displayed in a prominent place where employees have access to it. There are some exceptions to the rule of having employer’s liability insurance, such as public organisations and businesses that only employ family members (unless it is a limited company). We advise you to seek advice if you are unsure whether you need this cover.
It is prudent for employers to take the necessary precautions needed to keep their staff safe, ensuring that they have the correct tools and safety wear for the work they are doing and by providing training and supervision. However, we all know that not all accidents can be foreseen and prevented, and you should be aware that anyone you employ, including part-time employees, casual workers, temporary staff, volunteers, trainees, students, freelancers and contract employees working with you on a short-term basis can make a claim for illness or injury that has arisen as a result of their employment with your business.
For advice, please contact Nick Thurston, Essex & Suffolk Insurance Brokers, on 01206 845945 or complete the form below.
If you have an enquiry or would like a quote for any type of insurance please complete our form and we will get back to you soon.
"We have used Nick for our Professional Indemnity insurance and contents insurance. He reviewed our current policy and found us a better one at a cheaper rate. Nick took the time to go through our current policy and discuss with us what we actually felt we wanted and matched a policy to meet our needs. Couldn't recommend him more. Lovely guy too which always helps."
"Insurance for small businesses is not just about the cheapest prices and best products. It's also about the service. I've been looked after by Nick Thurston and the team for over 8 years and nothing is too much trouble.
If you are tendering for new contracts and need to go through procurement the last thing you want is to be held up by documentation. Nick always ensures I've got everything I need in lightning speed. He also keeps an eye on my business growth and notices when my clients have become international thanks to my book and so suggests amendments to ensure I'm correctly insured - the perfect accompaniment to every small business. Thank you Nick!"
Mandie Holgate - Business Coach
"Over many years of being in business, I have always had the task of seeking out tried and trusted company suppliers, and historically company insurance has always been a difficult task, with either brokers that aren't efficient, or brokers who seem to provide a lip service in getting the best price.
I have to say that dealing with you was the most simple and painless process I have been through when seeking company insurance requirements for my business.
I have and will continue to recommend you to colleagues in the future, and of course continue to use your service for years to come."
Mark Fiddes - Senior Partner at Elan Marketing
“I approached Essex & Suffolk Insurance Brokers to look at the company’s business insurance needs including Professional Indemnity, Public Liability and Buildings/Contents cover.
Not only did Nick Thurston provide a very thorough and professional appraisal of our requirements and researched the various policies available, he ensured we were able to make considerable savings. On our commercial vehicle policy, he has managed to save the business in excess of £1400 on our annual premium and with improved cover.
I have since asked Nick to quote my household policy and again he managed to arrange improved cover with substantial savings.
I will always use Essex & Suffolk for all my business and personal insurances and would have no hesitation in recommending them to any organisation – they truly understand their market.
I would be delighted to provide any further information to help Nick continue to succeed in his brokerage venture.”
John Herbert - Managing Director at Gosh Projects
“Nick was able to find a competitive price and totally removed the hassle usually involved in arranging insurance, even online.
By taking my details verbally, he came back to me immediately with the best price, all I had to do was sign and return the forms and the job was done.
A pleasure to do business with.”
Katherine Ebdon - Managing Director at Ebdon Management Systems
I wish to express my thanks for arranging cover for my business assets (photographic and computer equipment) as well as Public Liability Insurance and Employer’s Liability Insurance.
The quote you provided met my needs and offered favourable terms compared to my existing policy. That combined with your clear and concise presentation of the policy detail made it an easy decision for me to switch from my old insurer to you with confidence.
Thank you once again
Adrian Multon - Adrian Multon Photography