Employers Liability Insurance
Employers' liability compulsory insurance (ELCI) enables businesses to meet the costs of compensation and legal fees for employees who are injured or made ill at work through the fault of the employer.
Employees injured due to an employer's negligence can seek compensation even if the business goes into liquidation or receivership.
The NHS can also claim the costs of hospital treatment (including ambulance costs) when personal injury compensation is paid. This applies to incidents that occur either on or after 29 January 2007.
By law, an employer must have ELCI and be insured for at least £5 million.
Most insurers automatically provide cover of at least £10 million.
ELCI must cover all your employees in England, Scotland, Wales and Northern Ireland.
If your business is not a limited company, and you are the only employee or you only employ close family members, you do not need compulsory ELCI.
Limited companies with only one employee, where that employee also owns 50 per cent or more of the issued share capital in the company, are also exempt from compulsory ELCI.
The Health & Safety Executive (HSE) is responsible for enforcing the law on ELCI.
Generally, someone is defined as your employee if:
1. You deduct National Insurance contributions and income tax from the salary you pay them
2. You control when, where and how they work
3. They cannot employ a substitute when they are unable to work
Public Liability Insurance
Event Public Liability Insurance
Dj Public Liability Insurance
Employers Liability Insurance
Self Employed Public Liability Insurance
Sports Public Liability Insurance
Professional Indemnity Insurance