Employers liability insurance

As an employer, you are responsible for the health and safety of each of your employees. By law you need to have an employers liability insurance policy in force that provides the the appropriate cover. If you employ just one person, you still need to take out this cover.

The main purpose of this cover is to protect you from your employees making a claim against you for injury or disease caused from their work while being employed by you. This also takes into account former employees who, for example, may develop an illness or disease months or evens years after working for you but can be proved to have been caused from their time working for you.

Due to this example, it is also law that your employers liability insurance certificate must be retained for at least 40 years from the date it expired. Many people do not know this and it is worth remembering as you may be fined if you are unable to provide proof of this insurance upon request.