£5,000,000 cover Include up to 10 employees Can be added to existing policies No overseas cover Have protection in place straight away Other optional extras include; cyber liability, workplace contents, personal accident and portable business equipment. Can only be purchased with our 'Combined Professional Indemnity, Public Liability and Medical Malpractice' coverEmployers 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.
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.
The Employer 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
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.
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.
As a sole trader working solely on your own then you do not need Employers Liability 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.
The Employer 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
Getting add on cover such as, Employer's Liability is quick and easy, whether you're getting a new policy or adding cover to an existing one.
1. On a New Policy?
- Get an instant quote by clicking ‘Get a Quote’.
- Answer a few quick questions—it only takes a few minutes.
- Include the Employer's Liability Cover
- Save your quote for later or proceed to purchase.
- Pay securely by credit or debit card and receive your policy documents immediately via email.
2. Adding to an Existing Policy?
- Log in to your account and go to 'Your Policy' section.
- Next to Employers Liability, click add.
- See the cost before confirming.
- Choose your cover level, pay, and receive your updated policy documents instantly.
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 Employers Liability insurance for up to 10 employees.
Employer's Liability cover is an add on coverage. Once you have added an additional area of cover, such as Employers Liability 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.