Select Page
Why Employers Liability Insurance is Not a Choice

Why Employers Liability Insurance is Not a Choice

Any business that employs staff are legally required to have employers’ liability insurance. The definition of staff includes volunteers, work experience placements and sub-contractors and having this kind of insurance is not an option in the UK, it is essential.

The Employers’ Liability (Compulsory Insurance) Act 1969 lays out the exact terms of insurance required. It states that employers are responsible for the health and safety of employees while they are at work. If an accident should occur in the workplace and an employee be injured, they may be in the position to claim compensation against the business. As well as injury, employers are responsible for ensuring employees do not become ill or their property become damaged due to their work.

If an employee makes a claim against their employer and they win, both legal fees and compensation must be paid. Without insurance in place most businesses would not have the funds to do this and therefore, compensation is an essential protection for both parties.

Protection for Businesses and Staff

Employees are at risk of accident at any time. In almost all instances there is no fault on any part, but in the instance that there is, businesses need to be prepared. Slip and trip accidents are amongst the most common in the workplace and high-risk industries such as construction and those dealing with hazardous materials need to be especially mindful of having the right cover in place.

The Employers’ Liability (Compulsory Insurance) Act 1969 states that companies must have at least £5million worth of cover for their employers liability insurance. However, you will find that most companies offer insurance premiums of a minimum of £10million.

Risks of No Employers Liability Insurance

Almost all businesses with employees must have this kind of insurance. There are exceptions such as if you only employ close family members and a few other instances. Trading without employers liability insurance is a huge risk. Heavy fines are the most common form of penalty, with fines of up to £2500 for every day of trading without adequate insurance cover.

Compare Employers Liability Insurance Quotes

Employers liability insurance is essential for all businesses but different companies do offer different levels of cover. At Just Quote Me we can help you compare employers liability insurance quotes and get the right cover for your business with ease.

Compare Employers Liability Insurance Quotes Online:

Using our online Quote System or call us for FREE on 0800 084 2325

Employers Liability Insurance

Employers Liability Insurance

Do I need Employers Liability Insurance? YES you most probably do if you employ people.

This question may seem simple but let’s delve a little deeper as the answer is not so simple! This insurance protects your staff, no matter what, so consider the following information carefully.

In the United Kingdom, it is the law that you must get Employers’ Liability (EL) insurance cover as soon as you become an employer of staff. In addition you must now get a policy with cover for at least £5 million.

The insurance should be from an authorised insurer too so there is a lot to think about already, but what else is there to think about?

Employers Liability insurance will help you to pay compensation if an employee should be injured during their work or if they become ill because of the work that they have performed for you.

Providing sick-pay to a member of staff that has suffered due to their job is simply not enough these days! There is a lot more that you need to do as you most probably know, such as offering help and counselling where necessary too!

If you only employ a family member of friend, or someone that is not based in the UK, then you may not need Employers Liability cover – but only in those circumstances.

You can be fined if you do not have this type of business insurance cover

It is a fact that you can be fined £2,500 for every day you are not properly insured with this cover.

You can therefore imagine that if you went a month or two without it the company could be bankrupted! This is why, especially for small businesses that do not have much in the way of available cash, this is a no-brainer!

Display your EL certificate or be fined

You can be fined £1,000 if you do not clearly display your Employers Liability certificate or if you refuse to make it available for inspection by the authorities appointed inspectors should they ask to see it!

Therefore we recommend that you protect your business ASAP and get EL cover

You would not want to find yourself in any of the positions above, as they could result in large fines, so we suggest that you investigate getting appropriate EL cover if you do not already have it.

For any small business it is simply not worth the risk of not being protected. The whole idea of the cover is that employees that suffer due to their job are looked after no matter what. This is a noble cause which all companies should do their best to help with we are sure!

SMEs could go under without this protection!

Many companies would not be able to pay out the costs of such a claim so that is why this law, which may seem a little draconian, is in place. It is all about looking after employees, without them you would most likely have no business at all so think on that!

It is in place to protect your staff if they suffer due to their work so get with the program.

To get a FREE no obligation Employers Liability Insurance quote:

Go to our online Quote System or call us on 0800 084 2325

Employers Liability Insurance

Employers Liability Insurance

Employers Liability Insurance Online Quote Quick Quote Employers Liability Insurance Employers’ liability insurance is the only legally required type of insurance for UK businesses. Any business that employs people, even if you are a self-employed person with...
Who Needs Employers’ Liability Insurance?

Who Needs Employers’ Liability Insurance?

Employers’ liability insurance can be a confusing product to get your head around. If you have just started a new business, then chances are you are trying to understand it for the first time. Many business owners find themselves wondering what this insurance is and if they need it. Because it can be a legal requirement for organisations, it is crucial you understand the regulations around employers’ liability.

What Is Employers’ Liability Insurance?

This type of insurance is designed to cover the costs that may arise if employees at work make claims. Because it includes the costs of defending your business and settling damages awarded to employees, it is necessary for many. Usually, this type of insurance is combined with public liability so as to protect against all eventualities.

Do I Need Employers’ Liability Insurance?

Any organisation that employs people is legally required to have this insurance in place. If you are self-employed or operating as a sole trader, then insurance is still necessary. The only time a business may not need this cover is if you are the sole director of a limited company and so have no employees. Some clients may require you to have insurance in place even if you don’t legally require it.

How Much Employers’ Liability Insurance Do I Need?

The law states that every business must have a minimum of £5 million cover as a standard. This is because it needs to cover all eventualities and claim possibilities. Failing to have appropriate cover can result in fines of £2,500 a day.

Insurance From Just Quote Me

Because Just Quote Me are specialists in finding insurance, we are able to help you source the best cover for your needs. Our team of experts will understand your business requirements so they can find you the best deal. To discuss your insurance needs, get in touch with our specialists today or fill out our free Quick Quote Form.

Do I Need Employers’ Liability Insurance?

Do I Need Employers’ Liability Insurance?

The UK Government requires every person or company who is an employer to get employers’ liability insurance. Employees injured or sick during the course of working for their employer will be covered by the insurance. Furthermore, £2,500 is fined every single day an employee remains without this cover.  If inspectors do not see or view a displayed certificate of the insurance, a fine of £1,000 will be required.

While insurance may seem like an unnecessary cost, especially when accidents seem unfeasible, it is of vital importance, just in case the worst happens. Every employee requires coverage for injury or sickness while carrying out their duties for the company.

What employers’ liability really means

Generally, this liability insurance protects employers from any compensation claim by any employee in the course of duty. Whether it’s injury or illness while working for the employer, the workers will be well covered. The legally-demanded insurance kicks in when a company or self-employed individual employs just one person. As soon as you take on staff, you need insurance.

For instance, an employee may suffer a fall or get sick in the course of their duty. As such, employers’ liability will cover their medical bills as well as legal fees.

Also, this liability insurance can cater to claims raised by former employees. Some illnesses and complications might take a while to show or depict their symptoms. As a result, former employees might demand compensation, perhaps months or years after they left your company. This liability cover can insure all these.

For instances of former cases, it is important to ensure you’ve safely stored every document related to the insurance. It is wise to keep records of the insurance, whether the cover has expired or not. Also, ensure the insurer has your Employer Reference Number to make the process of tracing past workers easier.

Are you looking for employers’ liability insurance?

Avoid the possibility of paying fines of up to £2,500 per day. Contact Just Quote Me today for your free quote.

Understanding Employers’ Liability Insurance

Understanding Employers’ Liability Insurance

Running a modern business does come with a certain degree of admin but once you get it right, the hard work is over. Of course you need to review policies and procedures but once the initial task is complete, the process is much quicker. Employers’ liability insurance is one of those necessary requirements for almost all businesses.

If an individual within your team or on your payroll suffers accident, injury or illness which they blame your business for, they could make a claim for compensation. These claims can quickly become costly and without insurance, you face having to cover the costs yourself. For many businesses the financial impact is devastating, so employers’ liability insurance is a must.

Do I Need Employers Liability Insurance?

In almost all cases the answer is yes. If you have people working for your business on any basis then you must have employers’ liability insurance. It is a mandatory legal requirement in UK law for any business with employees.

This is the case whether you work in a hazardous injury such as farming or simply run an office. The requirement remains the same.

What will my Employers Liability Insurance Cover?

Employers’ liability insurance protects your business against the financial risks that come from accident or injury to employees. Your policy will cover the financial cost ensuring any claims do not impact on the capital in your business. If you are deemed liable for any compensation claim your insurance will cover the costs. This allows your employee or ex-employee to continue with their lives and should allow your business to run as usual.

Employers Liability Insurance with Just Quote Me

At Just Quote Me we employ only experienced insurance professionals. They can help talk through your employers’ liability quotes and ensure you have the right level of cover to suit the size, scale and risk factor of your business. Call us today to discuss your business needs.

Builders Public Liability Insurance

Builders Public Liability Insurance

Builders Public Liability Insurance – Looking to compare Builders Insurance?

At Just Quote Me our Quick Quote facility allows anyone to compare Builders Insurance or Building Company Insurance in a few minutes.  You will get some of the best rates and covers available in the UK today!

What Insurance do Builders and Building Companies need?

Well to start with they need Builders Public Liability Insurance, Builders Employers Liability Insurance and then after these two core covers they can also add, Tools cover including overnight cover, Goods In Transit Insurance, or they can opt for full Contractors ALL Risks Cover to cover their tools and materials in trade whilst working on a project or job where they are responsible for the work in progress materials until the job is finished and signed off.  Then it becomes the responsibility of their customer to insure.

Many Builders either don’t insure this risk or are not fully aware of what this cover insures and if they haven’t been advised correctly, then they may not be correctly insured and if they are on a big job where a theft has occurred, the potential loss of materials and plant and equipment could be catastrophic.

Our Builders Insurance experts are at hand following initial contact or quote to fully advise you of what covers are right for your specific company or individual needs so contact us today and get the right cover for the right premiums.

Contact Just Quote Me today for FREE using our Quick Quote form or by calling 0800 084 2325

Compare Tradesman’s Liability Insurance

Compare Tradesman’s Liability Insurance

Tradesman’s Liability Insurance is available from Just Quote Me

Just Quote Me offers Tradesmen the ability to compare prices from various Insurers for Tradesman’s Public Liability and Tradesman’s Employers Liability. We have the added benefit of adding tools cover and Contractors All Risks Insurance if required.

There are also various sums Insured from £1m to £5m as standard and then higher limits are available on request.

As we know there are vastly different types of Tradesman in the UK from one man bands to Multi national organisations Employing thousands of employees.  We can offer superb bespoke covers for all of them, some obvious covers required would be Public Liability Insurance and Employers Liability Insurance.  We then have the option to add your tools to the policy whilst you are working away from your home or business premises, this can be invaluable as a Tradesman’s tools are his or her life blood, if they are stolen or damaged beyond repair more than often the replacement costs can be expensive, as they may have be added to year on year and often replacements can run into thousands of pounds.  This is where tools cover can be a must for Tradesman to Insure against possible total loss or theft.

Contractors All Risks Insurance can be a more complex cover, and our team of experts are on hand to advise clients of what exactly this cover is, and what sections each unique risk may need if not all sections available.

Contractors Insurance can cover various things such as your materials being used or in use during a contract, the contract value itself, theft of tools and or work in progress which can include materials already fixed to the fabric of a premises but still being worked upon, after all until a job is signed off to your customer the materials in trade are your responsibility for Insurance purposes, as is own Plant and Machinery, Hired In, or Hired Out Plant can also be included under this particular insurance cover.

What ever covers you need we at Just Quote Me Ltd will be able to tailor make a policy to suit your demands and needs.

To get a FREE no obligation Tradesman’s Liability Insurance quote:

Go to our online Quote System or call us on 0800 084 2325

Public Liability Insurance Stafford

Public Liability Insurance Stafford

Public Liability Insurance

Looking for a public liability insurance quote that’s tailored to your company’s unique requirements?

Then to organise your insurance policy quickly and without any hassle whatsoever get in touch with Just Quote Me based in Stafford.

The experienced team at Just Quote Me understand that every business is different and that insurance should reflect this. Whether your business is a pub, a restaurant, a shop or you’re a solicitor or an accountant in Staffordshire or the West Midlands contact us today to find a cheap insurance quote that works for you.

The Importance of Public Liability Insurance

Don’t make the mistake of assuming that Public Liability Insurance is a luxury that you do not need. On the contrary, both public liability insurance and employers liability insurance (if you employ one or more employees) are legal requirements.

To ensure that you’re staying on the right side of the law and that you are fully protected from any loss that might arise from a claim, buy Public Liability Insurance from Just Quote Me. The company has been a leader in its field for nearly 30 years, which should assure you that the team are experienced and highly knowledgeable in the insurance arena.

To get a FREE no obligation Public Liability Insurance quote go to our online Quote System or call us on 0800 084 2325.

Builders Public Liability Insurance

Builders Public Liability Insurance

Builders Public Liability Insurance – Looking to compare Builders Insurance?

At Just Quote Me our Quick Quote facility allows anyone to compare Builders Insurance or Building Company Insurance in a few minutes.  You will get some of the best rates and covers available in the UK today!

What Insurance do Builders and Building Companies need?

Well to start with they need Builders Public Liability Insurance, Builders Employers Liability Insurance and then after these two core covers they can also add, Tools cover including overnight cover, Goods In Transit Insurance, or they can opt for full Contractors ALL Risks Cover to cover their tools and materials in trade whilst working on a project or job where they are responsible for the work in progress materials until the job is finished and signed off.  Then it becomes the responsibility of their customer to insure.

Many Builders either don’t insure this risk or are not fully aware of what this cover insures and if they haven’t been advised correctly, then they may not be correctly insured and if they are on a big job where a theft has occurred, the potential loss of materials and plant and equipment could be catastrophic.

Our Builders Insurance experts are at hand following initial contact or quote to fully advise you of what covers are right for your specific company or individual needs so contact us today and get the right cover for the right premiums.

Contact Just Quote Me today for FREE using our Quick Quote form or by calling 0800 084 2325

Close Protection Insurance

Close Protection Insurance

Close Protection Insurance Quick Quote Close Protection Insurance Whether you are an established brand or individual providing professional services, your endeavors expose you to various risks. Among the most efficient ways to mitigate such risks is acquiring...
Commercial & Industrial Insurance

Commercial & Industrial Insurance

No matter your business or industry, having the right insurance in place is essential. Commercial & industrial insurance is a type of cover that protects businesses from loss.

Because every business is different, the insurance policies they need is also varied, and it is important that you get the right policy for your company. An office-based business is going to have different requirements to a factory. Consequently, insurance policies need to reflect this. Here at Just Quote Me, we offer commercial & industrial insurance options for a range of businesses.

Commercial & Industrial Insurance Options

When it comes to business insurance, there are various options available. The type of insurance that you need will depend on your industry and operations. Most commercial & industrial insurance policies will include;

  • Public Liability Insurance: This covers your business for claims made against you by a visitor or client. This could be because of injury, loss or damage to property in your business premises.
  • Employers Liability Insurance: Any company with employees must have employer’s liability insurance. This covers you if an employee becomes ill or injured while working for you.
  • Professional Indemnity Insurance: Sometimes referred to as professional liability insurance. This cover is for legal costs and expenses that could arise if a client alleges that your business provided inadequate services or advice that lead to them losing money.
  • Business Buildings Insurance: Buildings insurance will cover your physical buildings of the business, such as a factory or office.
  • Business Contents Insurance: Damage to contents caused by fire, theft or flooding can be covered by contents insurance.

Are You Looking For Commercial & Industrial Insurance?

There are many other options available for commercial and industrial insurance, such as equipment cover, stock insurance and business interruption cover. For more information on insurance for your business, and to discuss your requirements, contact our team or fill out our Quick Quote Form.