The job of a ground worker is incredibly varied. Furthermore, it comes with several unique risks that can invalidate a regular insurance policy. With the interesting and versatile job of a ground worker, it is essential to have the right level of insurance that is as flexible as the job. With insurance for ground workers, you can enjoy the convenience of a single policy that protects you from all of the risks being a ground worker may bring.
What Insurance For Ground Workers Includes
Insurance for ground workers can be incredibly flexible depending on your requirements and personal situation. However, there are some key elements in ground worker insurance;
Public liability – Protect individuals who may suffer injury or damage to property as a result of your work with public liability insurance. Typically, public liability insurance will cover at least £1 million. However, ground workers tend to increase the cover to £5 million due to the potential risks of the work.
Employers’ liability – It is a legal requirement to have employer’s liability insurance if you have staff. This includes casual workers and temporary staff. Much like public liability insurance, this will cover you if staff make a claim. This could be due to injury, illness or damage as a result of working for you.
Personal accident – There are many hazards for ground workers. Furthermore, if you sustain an injury during a job that makes you unable to work you could lose income and have to pay for medical costs. Personal accident insurance will provide cover for serious injuries provide money for income and to cover any medical costs too.
There are many other cover options that you can include to make your ground workers insurance. All of which can make the policy more tailored to your needs. Aspects such as tool insurance and business equipment insurance may prove useful.
Do you have questions about Ground Workers Insurance?
Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.
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.
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