Employer's Liability
Insurance

Do you need it?

In accordance with the Employer's Liability (Compulsory Insurance) Act 1969, Section 2, if you have 'employees' then it is a legal requirement to have a minimum of £5 million of employer's liability insurance. Failure to have this insurance in place can result in a fine of £2,500 for every day you are not insured.

It is very important to understand the definition of 'employee' in relation to this insurance. It is not only people with whom you have a written employment contract.

Extract from http://www.legislation.gov.uk

For the purposes of this Act the term “employee” means an individual who has entered into or works under a contract of service or apprenticeship with an employer whether by way of manual labour, clerical work or otherwise, whether such contract is expressed or implied, oral or in writing.

So, any of the following would be considered employees:

• - Part-time and full-time employees
• - Sub-contractors that provide labour only, and work with your tools, equipment and materials and operate under your guidance
• - Work experience students
• - Anyone on a work placement
• - Temporary staff

You do not need Employer's Liability insurance if:

• - You are not incorporated, and
• - Your employees are close family members only (husband, wife,civil partner, father, mother, grandfather, grandmother, step-father, step-mother, son, daughter, grandson, granddaughter, stepson, stepdaughter, brother, sister, half-brother or half-sister)

How much will it cost?

The Employer's Liability insurance provides £5 million cover which we has been selected as the most appropriate to meet the needs of our customers.

The cost per employee is: £65 + tax

For a new policy

Getting a quote, or multiple quotes, and buying insurance from Westminster couldn’t be quicker or easier. You can have your policy up and running in minutes. All online, you can do it whenever suits you best and be in control of the whole process, but if you have any questions, we are very happy to hear from you.

Remember, this cover is only available as an additional option on our Professional Indemnity, Public Liability and Medical Malpractice policies.

1. Click on the 'Get a Quote' button.
2. Choose to include the Employer's Liability option.
3. See the quote straight away on screen, and you can either save it for later or continue on to purchase.
4. Once the payment is processed, the policy documents are immediately emailed to you.

To add to an existing policy

1. Simply login to edit your policy online
2. Adding the desired coverage
3. Confirm the change
4. Make payment

Please note that you cannot make changes to the policy during the renewal period which starts 6 weeks prior to expiry. If you need to make a change during this time please contact us on 01305 839939.