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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.

Church insurance – Are you fully covered?

Church insurance – Are you fully covered?

Churches actually have many of the characteristics of a for-profit company. Like businesses, most churches own property that may be lost, damaged or stolen. Many own vehicles that may be involved in accidents. Like businesses, churches need church insurance so they can protect their assets and continue to serve their mission.

Your current insurance               

When asked by churches to review their existing arrangements we often come across a gap in their cover that leaves them completely exposed in a particular area.

This is usually because their activities have changed and they didn’t realise that the risk level had changed or that there was even a risk involved.

However, sometimes the gap is due to the inadequate advice of a non-specialist or a lack of explanation. Getting up to speed with an expert is so important to ensure you’re fully covered and prepared for the worst.

Cover types 

Depending on your activities, your church may benefit from:

Church Buildings Cover – does as it says; pays out in the event of a claim affecting your church buildings

Church Contents Cover – pays out if contents and equipment gets stolen or damaged

Public Liability – protects you from the costs of claims brought by members, visitors, etc as a result of bodily injury or damage to property

Church Officers Indemnity – protects the church leadership and members in specific roles from the effects of unintentionally poor decisions

Counselling & Advice Cover – to cover the costs of claims alleging wrongful advice following a loss

Manse Cover – landlord insurance for houses the church may own and rent out

Event Insurance – from one-off events to regular events organised by the church. For example, outreach opportunities, Alpha Courses, Christianity Explained, social events, fundraisers, etc.

Foodbank Insurance – cover for the activities and stock handled by the UK’s individual foodbanks

Minibus Cover – just like car insurance but for your minibus

Employer’s Liability – to protect you from claims by employees/volunteers in relation to bodily injury or employment issues

Abuse Cover – covers the cost to the church should an allegation of abuse be made

Publisher’s Liability – this covers your church website and other publications against the risk of libel. If you’re offering sermons for download from your website or issuing recordings on CD you should consider this protection against slander.

Group Travel – covers trips you organise for members or staff in the UK & abroad.

Just Quote Me Church Insurance Quotes

You can contact Just Quote Me today to discuss your church insurance – we can help you find quotes to suit you! Contact us here to find out more.

Who Needs Employers’ Liability Insurance?

Why recruitment agencies need insurance

In today’s litigious society, recruitment and employment agencies are exposed to all number of risks. Employee’s getting injured at work, a contractor working negligently, a client claiming wool has been pulled over their eyes regarding a candidate’s qualifications. The scope for recruitment agencies being sued is huge, which is why you need recruitment insurance.

Know your exposures:
  • Failure to perform required background checks on candidates
  • Placing a candidate who does not have the suitable experience or qualities for a role
  • Passing a CV to an existing employer or third party without a candidate’s expressed consent
  • Vicarious liability arising out of actions of on-hired employees

A few years ago a Recruitment Agency specialising in the legal industry learned of a potential job opening at a law firm. The Agency was not on a retainer or contract with the firm but sent a candidate’s CV through as a starting point. They never heard back.

The firm never advised that they had hired the candidate, but 6 years later they sued the Recruitment Agency. The candidate was found to have misappropriated funds and had a prior conviction for similar offences. The firm claimed the Agency should have conducted reference and criminal history checks.

The Recruitment Agency immediately notified their insurer, who successfully argued that they were not responsible and had not recommended the candidate.

The moral of the story? A recruitment process can give rise to claims many years after they’ve concluded, so recruitment agencies need insurance. Remember:

  • Have professional indemnity insurance
  • Keep good records of all your interactions with clients
  • Understand your obligations when prospecting and vetting candidates
  • Notify your insurers of potential claims and incidents immediately
The main covers to opt for when taking out recruitment agency insurance are;

Professional Indemnity Insurance – Addresses the legal costs of defending claims and meeting compensation payments that may arise from negligent advice or services provided by a business or an employee.

Public Liability Insurance – Covers your agency against legal proceedings should a member of the public be injured or client property damaged as a result of negligence by your company.

Employers’ Liability Insurance – Covers the cost of compensation should an employee get injured or ill whilst working in connection with your business. £5 million Employers liability insurance is a legal requirement for all businesses.

Cyber Liability and Crime Insurance – Protect your businesses against the threat of cyber-crime. Whether you are a sole trader working from home or an established high street employment agency it pays to have adequate insurance in place to protect you and your business, so you can continue to thrive.

Insurance helps take some of the worry and stress out of running your business and can also help your business to grow. You should be aware that it is difficult to acquire preferred supplier status without proving to clients that you have suitable cover in place.

Don’t risk it. Cover your business with recruitment insurance today by getting in touch, or see more information on our website.

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

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.

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