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Employers Liability Insurance

Employers Liability Insurance

Employers Liability Insurance

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 employees, is legally obliged to have an employers’ liability insurance policy in place.

Employers’ liability insurance will cover the costs of defending your business and settling any damages awarded to an employee or ex-employee who claims they have suffered accident or illness due to their employment with you. This type of insurance when combined with public liability insurance ensures your business is protected against any potential financial losses in the wake of a claim from almost any source.

Employers’ Liability Insurance: The Legal Perspective

Employers’ liability insurance is legal requirement for businesses with employees. It was enacted under the 1969 Employers’ Liability (Compulsory Insurance) Act.

The legislation states that employers must have at least £5 million of employers’ liability insurance cover purchased from an authorised insurer. The risks of not having this insurance don’t only relate to the financial loss if a claim is brought, there are also legal implications. Businesses that do not have appropriate employers’ liability insurance can be fined up to £2,500 per day.

It is also a legal requirement that you have your employers’ liability insurance certificate on display and available for inspectors should they ask for it. Refusing or being unable to supply this certificate can result in further fines of up to £1000. The legislation respects that a physical copy many not be necessary as a 2008 amendment allows the certificate to be held electronically. You are still required to make it easily accessible to both your employees and inspectors.

Employer’s Liability Insurance Exemptions

There are a very small number of exemptions from this legislation. They include businesses that employ only close family members (as long as they are not incorporated limited companies). Exempted businesses also include some public organisations and bodies as well as some health service organisations. If you are not sure of your status for employers’ liability insurance it is something you should discuss with an insurer to guarantee you are operating within the law.

Obtain the best Employers’ Liability Cover with Just Quote Me

Any company that wants to be respected and accepted as a professional business needs to protect its staff. This includes former employees and good business owners should also want to protect anyone who comes into contact with their business. In this instance the focus is employees though, and employers’ liability insurance both protects your workforce and your business. Not having the legally required insurance in place is not an acceptable practice and the Health and Safety Executive and other governing bodies do have the powers to penalise businesses operating illegally.

To avoid any of this stress you simply need to have an appropriate Employers’ Liability policy in place. At Just Quote Me we work with many businesses guaranteeing they have every type of insurance they need to protect their business and their workforce. We strive to make the process of finding and selecting insurance as straightforward and easy as possible and have the skills and knowledge to ensure you get the right cover for your business.

Contact us today for a FREE quote

0800 084 2325


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“We saved over £500 with Just Quote Me insurance”

Mr A Barton

CEO, Alconbury Weston Ltd

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Public Liability Insurance

Public Liability Insurance

Public Liability Insurance

Public Liability Insurance

There is no way anyone can predict the future and you certainly can’t predict when an accident might happen. Even the safest and most conscious business owners have to deal with accidents from time to time. It is part and parcel of running a business but how you are protected against accidents and the protection you provide to accident victims, is another matter.

Public liability insurance ensures that should an accident happen to a member of the public because of your work or on your premises, you have the appropriate financial cover to deal with the situation. Public liability insurance keeps you protected if a member of the public suffers a loss or injury because of your business. Loss can refer to damage to property while personal injury can include illness as well as physical injury.

Your public liability insurance can be tailored to suit your business. Some business owners opt for business insurance packages while others invest in standalone public liability cover, whatever is the best choice for your business.

Am I Legally Required to Have Public Liability Insurance?

No. However, it is a sensible business investment if you want to avoid financial difficulty and potential damage to your business’ reputation. You may also find that your client contracts require public liability insurance so it is a valuable investment for your company, if it means you can garner better business and win more contracts.

If your business comes into contact with members of the public on any level, then it is the kind of investment that your business should seriously consider. Public liability insurance protects your business against compensation costs and legal fees should a claim be made against your company by a member of the company. This could be anything from the allegation of damage to property to an injury after a slip or fall in your workplace.

How Much Public Liability Cover do I need?

The level of cover you need may depend on your contracts or the nature of your business. It is sensible to check your policy every time you take on a new contract and checking within contracts what level of public liability insurance your clients expect. For some companies a minimum of £5 million or £10 million cover is necessary. Always make sure to check.

Just Quote Me specialise in providing the right insurance policies for your business. Experience and industry knowledge, means we can help ensure you get the right level of cover from the best possible provider for your business.

Get in touch today for a reliable and competitive public liability quote by filling out our Quick Quote form or by calling 0800 084 2325.

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Cyber Liability Insurance

Cyber Liability Insurance

Cyber Liability Insurance

Cyber Liability Insurance

About Cyber Liability Insurance

Almost every business, in any sector, now has some reliance upon information technology. Whether your business has a huge IT infrastructure or only occasional use of online services, there are potential risks that come from a business connected to a worldwide network.

Relying on the internet and IT to any level opens your business up to threats and risks including business interruption and financial loss, which in turn can lead to reputational damage, entirely down to the failures or problems with your IT systems.

A survey by the UK government found that 81% of large corporations and 60% of small businesses suffered a cyber breach in 2014. These threats and breaches come in many forms and can be anything from device theft to website hacks to malware, data loss and fraud. The same government survey also found that the average cost of a single breach is £600,000 to £1.15m for large businesses and £65,000 to £115,000 for small-to-medium sized businesses. These kinds of costs are enough to break a business and even cause it to close which is why you need cyber liability insurance.

Data leaks and losses can be the end of a business and so it is integral your personnel both understand the risks and are educated to handle them effectively.

As the above information shows, it doesn’t matter how large or small a business is, the risk is there. There has been policy to protect against these breaches, thefts and leaks for many years and as well as providing insurance, businesses have come to accept that cyber security is also a risk management technique. You have a responsibility to your customers and clients to have effective security in place to protect your IT infrastructure and the data it holds.

The sophisticated nature of hackers and online criminals means that businesses have to be agile. Just Quote Me is partnered with Cyber AMI to ensure our level of cover and education does not disappoint. Our partners are an accredited Cyber Essentials Training Partner and they specialise in providing training and education for your business and your staff, to ensure they are equipped with all they need to know about protecting the company against potential risks relating to IT. They provide education and training for absolute beginners as well as those who have experience in this area and are committed to training all staff beyond benchmark level. This equips your company with the tools it needs to protect against potential threats against your business online, protecting your reputation and financial position.

Protect your Business Reputation

Cyber and data risks can negatively impact your business and they are increasingly hard to protect against, as the technology behind the threat evolves. With Cyber AMI you have a specialist partner who evolves at the same pace as the threats, ensuring they are kept at bay and your business is fully protected.

Just Quote Me is proud to offer our clients cyber liability insurance through our partner company who are recognised experts in their field.

Contact us today for a FREE quote

0800 084 2325


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