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Employers Liability Advice:
Employers liability insurance is designed to provide valuable protection against any costs and compensation awards as a result of an act of negligence resulting in injury or illness to any employee during the course of their employment.
It is a legal requirement to hold employers liability insurance if you employ one or more persons. A person is classified as an employee if they are: PAYE employees (including directors), labour only sub contractors, hired persons, volunteers and persons provided by government sponsored schemes. A partnership may elect to include or exclude employers liability insurance for injuries to working partners.
It is also a statutory requirement to retain all employers liability insurance certificates for 40 years (in the event a former employee makes a claim for any injury or illness caused in the past). The Health and Safety Executive (HSE) enforces the law on employers liability insurance and can issue fines of up to £2,500 for any day a business does not hold suitable cover.
The statutory minimum level of employers liability insurance is £5 million but the normal level offered by insurers is £10 million
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