Why You MUST Have Employers’ Liability Insurance Or Face a Fine

Employers’ liability insurance is not just a ‘nice to have’ for your business. What many company owners don’t realise is that it is a MUST have, as soon as you employ any staff.

The Health and Safety Executive (HSE) has issued a warning to businesses, reinforcing that they will face fines if they’re found to be without this essential piece of protection in place.

The warning comes after a vehicle repair company was fined £726 in Birmingham Magistrates’ Court, when they could not produce proof of insurance during a HSE inspection.

What Is Employers’ Liability Insurance

Employers’ liability insurance protects business owners against the cost of claims raised by employees who are injured or become ill in or because of work.

For example, if a personal assistant sustains an injury after tripping over a cable, they could raise a compensation claim against the company. A judge could order the employer to pay a large compensation amount, which when added to legal fees, could be a substantial sum. With Employers’ Liability Insurance, all costs would be covered (excluding the policy excess).

It is a legal requirement that you have adequate coverage as soon as you employ one or more than one person. Your cover must be for £5 million or over. If you’re found to be without a valid policy, HSE could levy a fine of up to £2,500 per day.

Call ABL Group on 028 9099 3600, or email to learn more about employer’s liability insurance and to receive a free, no obligation quote.


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