Employers' Liability Insurance

Employers' Liability Insurance will cover you against any claims made as a result of your employees or apprentices falling ill or becoming injured as a result of the work they do for you. 

As an employer, your main priority is the health and safety of your employees. It is a legal requirement under the Employers' Liability Act 1969 to take out Employers' Liability Insurance if you have one or more members of staff or apprentices working for your business. You can read the full guide for employers

Employers' Liability Insurance must cover you for at least £5 million. Failure to take out the correct insurance poses the risk of a number of fines: 

• £2500 for each day you go without Employers' Liabiltiy Insurance
• £1000 if you fail to or refuse to present an EL certifcate when requested by an inspector

Churchill Expert can arrange cover through NIG with £10m Employers' Liability included in a Shop & Retail Insurance policy as standard. 

To find out how much business insurance costs and any other optional extras you may be interested in, you can call our customer service team on the number above. Our lines are open Monday - Friday, 9am-6pm.