Professional Indemnity
Employers Liability Insurance

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Employers Liability insurance enables businesses to meet the costs of compensation & legal fees for employees who are injured or made ill at work through the fault of the employer. Employees injured due to an employers negligence can seek compensation even if the business goes into liquidation or receivership.

By law (The Employers Liability Act 1969), an employer must have Employers Liability and be insured for at least £5 million.

The law was amended with effect from 28 February 2005 to exempt very small companies that employ only their owner. As a freelance consultant or contractor operating outside IR35, however, you are likely to have a substitution clause in your contracts. Without employers liability insurance, you cannot fuffill this clause without breaking the law, so in practise you ought to have cover.

Generally, someone is defined as your employee if;

  • you deduct National Insurance contributions and income tax from the salary you pay them
  • you control when, where and how they work
  • they cannot employ a substitute when they are unable to work.

We offer two different levels of cover £5 million & £10 million.

To keep costs low, Employers Liability is available as part of our Business Combined package.

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