The answer to this question will depend on whether you: 

1. want to get a quote for Professional Indemnity, Public Liability and Medical Malpractice policy including Employer Liability cover, or

2. already have an existing policy with us and would like to add Employer Liability cover 

Answer 1

We are a fully automated process and provide all the information needed for you to make an informed decision on-line. 

A quotation is available 24/7 on-line. Click on the ‘Get a Quote’ button.  That will take you through the questions necessary to provide a quotation. It shouldn't take more than a few minutes and once produced you have the option to save it for later or proceed directly to purchase. 

If you choose to proceed to purchase, we will collect your contact details and then request payment. Payment is by Credit or Debit Card and once authorised your policy is issued immediately. Your documents will be emailed to you for you to print and/or save.  

Answer 2

If you would like to see the cost of adding this to your existing policy you can find the details on the Cost tab of the Employer Liability page.  If you wish to go ahead, simply contact us by email or phone for us to arrange this with you.

Again, two options here:

1.      If you are obtaining a new insurance policy with Employer Liability add-on, you will be able to choose payment by monthly instalments.

2.      If you want to add this cover mid-term, you will be required to pay the whole amount of the add-on product.

Employers Liability insurance provides compensation to employees in the event that they have a valid claim of bodily injury, sickness, disability or disease caused by the work they carried out as part of their employment with you. It will also cover the legal costs involved in the claim.

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.

We offer insurance for up to 10 employees.

As a sole trader working solely on your own then you do not need EL Insurance.

However, if you have employees or anyone who would be regarded as an ‘employee’ for the purposes of this insurance then you would be subject to the same regulations.

1. Ltd company which has a single Officer (Director/Owner/provider of service) who is 100% shareholder – Employer Liability Insurance is not required.

4. If not Ltd Company, any family-run businesses do not require EL for “immediate family employees” (husband, wife, father, mother, grandfather, grandmother, step-father, step-mother, son, daughter, grandson, granddaughter, stepson, stepdaughter, brother, sister, half-brother or half-sisters). We would like to add that although not compulsory it may be advisable for family unincorporated businesses to purchase EL cover.

Yes, you can add this additional protection to your existing policy at any time during the period of cover.  We refer to this as a 'mid-term' adjustment.

Simply contact us by phone or email and we will arrange this with you.  

Once you have added an additional area of cover to your policy, it cannot be cancelled during the term of the policy.  However, when your policy becomes due for renewal you can remove it from the coverage that you require for the following year's policy.