Public & Employers' Liability Insurance

Whatever your occupation you are likely to need Public liability insurance to provide cover for your business against compensation claims made by the public in case of damage, injury or even death caused by your negligence.

We can cater for all types of trades for all types of businesses. 

Limits of liability start at £1million and can be increased to £10 million.

Most employers are required by the law to insure against liability or injury or disease to their employees arising out of their employment.

What is Employers' Liability?

Whilst it is difficult to provide an accurate definition, it is important to try to correctly determine the status of sub-contractors to ensure that the correct insurance cover is in place. If a sub-contractor is a bona-fide sub-contractor (BFSC) Employers' Liability insurance is not required but if a sub-contractor is a labour only sub-contractor (LOSC) Employers' Liability Insurance is required.

Labour only sub-contractors, self employed people, people hired or borrowed by you or embedded in your business are considered employees if they are working for you under your control.

Bona fide or labour only?

Employers are responsible for the health and safety of their employees while they are at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The Employers' Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance for such claims.

Employers' liability insurance will enable you to meet the cost of compensation for your employees' injuries or illness whether they are caused on or off site. However any injuries and illness relating to motor accidents that occur while your employees are working for you may be covered seperately by your motor insurance.

For more information and to find out whether you need employers' liability click the following link to open the HSE 'A brief guide for employers' http://www.hse.gov.uk/pubns/hse40.pdf

What happens if i do not have employers' liability insurance?

The Health and Safety Executive (HSE) enforces the law on employers' liability insurance and HSE inspectors can check that you have employers' liability insurance with an approved insurer for at least £5 million. They may ask to see your certificate of insurance and other insurance details.

You can be fined up to £2500 for any day which you are without suitable insurance.