Injury Solicitors in Colmworth and employers liability insurance
All employers in the UK have a legal duty to protect the health and safety of their employees while they are at work.
For most of them it is compulsory to have employers liability insurance if they employ anyone. The insurance is meant to cover you if one of them has an accident, or a former employee becomes ill because of something involving their employment with your business.
The amount of cover you need if you have to face injury solicitors in Colmworth
The legal requirement is a minimum of £5,000,000. It is usually part of a total package for businesses and a lot of insurance companies that offer employers insurance start their cover at £10,000,000. If there is an accident at your workplace and an employee is injured through no fault of their own, they may well speak to injury solicitors in Colmworth about making a personal injury compensation claim.
Those exempt from having employers’ liability insurance include:
- Government departments
- Health trusts
- Some organisations that are financed by public funds such as passenger transport executives and magistrates.
- If employees work abroad and spend no more than 14 days a year work related in the UK
- Family businesses, that are not limited companies, where all the employees are close family members including spouse, grandparents, children, grandchildren, brothers and sisters.
- Companies with only their owner in employment where that person owns more than half of the issued share capital in that company
Because they are exempt does not mean they cannot purchase it voluntarily, and many do.
The insurance needs to cover all employees
If there is any form of contract between the employer and employees, whether it is written, spoken or implied, then they will come within the scope of the policy. When you are making the annual declaration to the insurance company of how many employees you have, they should all be included. Their tax status, as employed or self-employed is a totally different matter, and what really matters is the amount of control you have over the work they do for you. If you are in control of them then they should come within your employers’ liability insurance.
Go without at your peril
The fines for not complying with this law are horrendous; £2500 for each day you are without the prescribed cover. The Health and Safety Executive, who if they call at your premises would expect to see your certificate of insurance on display, monitor this. If it is not and you refuse to make it available for them, there is a fine of up to £1000.
The help your employees can get if they need to make a personal injury claim
Injury solicitors in Colmworth at Accident Advice Helpline are used to dealing with insurance companies and know what they expect from a claim, and we know how to handle them. Your employee should contact us on our freephone number, 0800 180 4123, and speak to one of our friendly advisors. Or they could complete the 30-second test on our website for guidance as to the amount they may receive.
Date Published: 5th December 2013
Author: David Brown