Q: Do I have to have employer's liability insurance?
Aug 17 2005
Answered by: Marc Barber Ask a question
Whilst your employees are at work you are responsible for their health and safety. For the purposes of The Employers’ Liability (Compulsory Insurance) Act 1969, employers are required to have at least a minimum level of insurance against claims for compensation by their employees, in cases of injury or disease linked to their working environment. An 'employee' is a worker who works under a contract of service, or apprenticeship with an employer, the contract can be express or implied, written or oral.
Some employers are exempt. The exemptions include most public organisations such as government departments and police authorities, the NHS trusts and other organisations financed through public funds such as magistrates’ court committees. Family businesses are exempt in some cases, for example if they operate as sole traders rather than limited companies. You can download a document containing comprehensive details by clicking here or visit the Department of Work and Pensions website.
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