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employers liabiity insurance

WHAT IS EMPLOYERS LIABILITY INSURANCE ?

  
Employers Liability Insurance provides cover against liability for injury or disease to employees arising out of their employment. This compulsory cover must be taken out with an approved insurer for at least £5 million (Carvel arranges cover at £10 million as standard).

In essence it covers the costs of compensation and legal fees for employees who suffer injury or are made ill at work if the fault of the employer. Employers Liability insurance allows an employee to seek compensation even if the business goes into liquidation or receivership and also allows the NHS to claim the costs of treatment when personal injury compensation is paid.

The Health and Safety Executive enforces the law on employers Liability insurance. They can check that you have employers Liability insurance in accordance with the Employers’ Liability (Compulsory Insurance) Act. They may ask to see your certificate of employers Liability insurance as a business can be fined up to £2500 a day if suitable employers Liability cover is not in place.

WHO NEEDS EMPLOYERS LIABILITY INSURANCE ?

 
Every organisation in the UK that has more than one employee must obtain employers Liability insurance. An employee is generally seen as someone that you pay National Insurance contributions for and that you control in terms of where and when and how they perform their work. There are a few groups who are exempt from providing compulsory employers Liability insurance:

Some public bodies. eg. Central Government
Departments, Local Authorities, Police and NHS bodies
 
Non-limited businesses that employ only close members
of their families. eg. The employee is the Wife, Husband, Parent, Grandparent, Brother, Sister, Son or Daughter
 
Sole traders or a partnerships where their employee owns at least 50% of the company
 
Employees who are not normally based in the UK

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HOW IS EMPLOYERS LIABILITY INSURANCE WORKED OUT ?

 
Employers liabilitiy insurance will be assessed by your insurance broker and quotes will be provided through insurers based upon the following criteria :
 
  the number of employees
 
  the size of the payroll
 
  type of industry / business
 
  your claims history
 
  your approach to health & safety and risk management

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WHAT DOES CARVEL OFFER FOR EMPLOYERS LIABILITY ?

 
Carvel only deals with commercial insurance, here are the business benefits to you :

  Highly competitive quotes
 
  Rapid turnarounds on proposals, quotations and paperwork
 
  Options to make further savings by combining all business
  liability
  cover in one policy
 
  Assistance with risk assessments and risk action plans if
  required
 
  For more detail see 4 reasons Carvel stands out

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