Employers Liability

What is Employers Liability Insurance?

Employers Liability insurance (or Contractor General Liability Insurance when including Public Liability) provides protection against claims from employees for legal liability in respect of injury or disease which arise in the course of their work as a result of workplace conditions or practises.

Do I need to take out Employers Liability Insurance?

Employers Liability insurance is a compulsory insurance for all employers. There are a few exceptions to this rule, such as, a sole trader/limited liability company not employing anybody else except close family members. The Law requires employers to insure for a minimum limit of £5,000,000 - although in practise, insurers provide a minimum limit of £10,000,000.

Most clients and agencies do not understand the legal exceptions to the legislation and many contracts are drawn up without regard for the true legal requirements for freelance insurance. As freelancers' insurance experts, Kingsbridge Professional Solutions have assisted our policyholders in achieving compliance with contractual obligations as Employers Liability cover appears in our freelance liability insurance package.

Legal Requirements

If you are not exempt from holding this insurance, you are required to display a copy of the insurance certificate where it is clearly visible to all employees. It is also good practice to keep Employers Liability Insurance certificates for as long as possible. This is because diseases can take years to surface and businesses can be forced to pay damages if they cannot prove they were insured at the time.