BUSINESS INSURANCE

Employers' liability insurance (EL) covers you in the event that a claim is brought against you by your staff and is available for most trades.

Employers' liability insurance is a legal requirement where you have staff.

If you are not a limited company, then staff are those people who work for you - but excluding, as well as yourself, any business partners or family members.
Labour-only subcontractors are also treated as being your staff. Labour-only subcontractors are those people working under your guidance and using your tools and equipment.
If you are a limited company with only one person (including yourself, all manual and clerical staff) and you own more than 51% of the business, then employers' liability insurance is not required.
If you are a limited company but with only one person but you own less than 51% of the business then employers' liability insurance is required.
If you are a limited company with more than one person then employers' liability insurance is required.
The level of cover is provided at the standard industry level of £10m.

Visit the website for further information, FAQs, get a quote and buy online

Further options are also available to cover tools, hired-in plant, contract works and the use of lathes.

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