Business Insurance

Employers' Liability

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.

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Other Insurance

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